How much mortgage can I afford?
Estimate the loan and home price you can take on based on your income and the effort rule.
Your limit: your savings (down payment + costs)
Information, not tax or financial advice.
How the mortgage affordability calculator works
How much home can you buy? The debt-to-income rule (your payment shouldn't exceed 35 % of your net income) isn't the whole story: you're also limited by how much the bank finances (the LTV, usually 80 % of value) and by your savings, which must cover both the down payment and the purchase costs (transfer tax, notary…). The calculator applies all three limits at once and tells you which one binds.
How to read the result. The maximum payment is 35 % of your income minus your debts, and it sets the maximum loan by payment capacity. But the bank only lends up to 80 %, and your savings must pay the 20 % down payment plus the purchase costs. The maximum price is the largest that satisfies all three limits.
Worked example (default values). You earn €2,000 net, no other debts, with €40,000 of savings, over 30 years at 3 %, 80 % LTV and 12 % purchase costs:
- Maximum payment: €2,000 × 35 % = €700/month (enough for a loan of up to ~€166,000).
- But savings bind: €40,000 / (1 + 0.12 − 0.80) = €125,000 maximum price.
- Loan: 80 % × 125,000 = €100,000 (actual payment ≈ €421.60/month).
- Your savings split into €25,000 down payment + €15,000 costs.
Your income could cover a bigger payment, but savings hold you back: to buy more you'd need a bigger down payment, not a bigger salary.
An important note. It's the theoretical maximum, not what's advisable. Leave room for surprises and rate rises if your mortgage is variable.