Mortgage Calculator
Calculate your maximum mortgage
Have you found your dream home and do you want to know if you can afford it? Or are you just curious about the maximum amount you can borrow? With Viisi’s calculation tool, you can easily calculate your maximum mortgage and the corresponding monthly expenses.
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Enter your gross yearly salary, including holiday allowance and optional 13th month.
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Optionally enter your partner's gross yearly salary, including holiday allowance and optional 13th month.
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Enter your estimated interest rate. You can browse for the current rates on the Viisi website.
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This is used to calculate your mortgage amount and your monthly payments.
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Enter the total original amount of your student loans.
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Enter the total debt (except student loans) that appears on your BKR report.
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With an annuity mortgage, the gross monthly cost is fixed for the duration of the mortgage, and the net monthly costs (after tax benefits) increase slightly over time. With a linear mortgage, both the gross and net monthly costs decrease over time.
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Your Mortgage Summary
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This is the maximum amount you can borrow based on your income and monthly alimony and credit expenses.
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This is what the gross monthly payment would be if you borrow the maximum mortgage amount at the interest rate that you specified. This assumes an annuity mortgage.
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These 5 factors play an important role in your maximum mortgage
There are 5 important factors in determining your maximum loan:
- Your income
- The mortgage rate
- The value of your dream home
- Financial obligations
- Housing expense
No-obligation personal advice
When taking out your mortgage, the interest rate may be different than what you see in your mortgage calculation above. This affects the maximum amount that can be borrowed. Do you want more information on your situation? Schedule a no-obligation consultation with one of our mortgage advisers. We are happy to explain your options.