Maximum mortgage amount

Properties over a million have become more and more popular in the Netherlands. The application process and requirements are different for a high-risk mortgage. A principal amount varies per mortgage lender.

For example, if the property is worth more than € 1.000.000, the lender could finance between 80-90% of the market value.  Besides, not all lenders offer loans over € 750.000.

Mortgage application process

It takes more time to approve a higher mortgage than a regular mortgage due to the risk factors. Other circumstances such as savings, investments, or additional properties add extra work to the mortgage application process. On average, mortgage applications for over a million can take from 4 to 6 weeks.

Many lenders assess high-risk mortgage applications separately. High-profile mortgage applications are discussed with a credit committee or top risk management team. To secure a mortgage of over a million, you must afford it.

What salary and how much savings do you need to buy a home in the Netherlands?

Asking price: € 1,075,000

  • Salary needed: € 192.500

  • Monthly payments: € 4.571

  • Cash needed: € 31.560

Asking price: € 1.500.000

  • Salary needed: € 270.000

  • Monthly payments: € 6.421

  • Cash needed: € 39.940

We offer financial advice for mortgages over a million, including asset planning.
Meet the team
Sezer Yilmaz
Founder & Financial Specialist
Robin Uijtdehaage
Client Director & Financial Specialist
Egle Kemezyte
Growth Marketer
Özkan Karakol
Financial Specialist