The maximum amount you can borrow is slightly lower, because you also have to pay interest and repayments on your student loan debt. This leaves less scope for mortgage payments.
"}},{"componentType":"sectionTitle","title":"Good to know when calculating your maximum mortgage"},{"componentType":"paragraph","richBody":{"value":"It’s easy to calculate the maximum amount you can borrow. Simply enter the instalment amount you’re paying towards your student debt every month. Like other mortgage providers, we need the actual instalment amount you pay towards your student loan, so including interest. We do not factor in the grace period during which you don’t have to make repayments yet, nor do we take into account a possible reduced instalment amount. You can check your instalment amount on Mijn DUO.
"}},{"componentType":"sectionTitle","title":"Want to know your options?"},{"componentType":"paragraph","richBody":{"value":"If you want to get a clearer idea of how much you can borrow with student loan debt, there are online tools that can give you an indication. To get more than just an indication, discuss your situation with a mortgage adviser. In just one hour, you’ll have a better idea of what’s possible. It has given many people peace of mind in their search for a suitable home. This exploratory consultation is free of charge. You won’t be committing to anything yet.
"}},{"componentType":"sectionTitle","title":"It’s not something we assume will happen, but…"},{"componentType":"paragraph","richBody":{"value":"There have been rare cases where someone failed to tell us they had student loan debt. If you want to be able to take out a mortgage, you have to disclose all your financial obligations, and that includes student debt. By bearing this in mind from an early stage, you won’t come up against any unpleasant surprises later!
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