Free Eligibility Check
Mortgage Eligibility Check
How much mortgage can you afford? Determine your personal financing score and find out how realistic your mortgage application is.
Free
Non-binding
In 3 minutes
Calculate your mortgage eligibility
Your details for the eligibility check
€3,500
€10,000
reserve after equity contribution
€300,000
€50,000(17%)
3.50%
1,0%7,0%
25 years
10 years40 years
Score Rating
Excellent85–100
Good70–84
Fair55–69
Critical0–54
Personal advice
Our experts analyze your financing options – free and non-binding.
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How to improve your score
Tips and strategies for a better financing rating.
How to improve your score
- Increase your equity to at least 20-30% of the purchase price
- Reduce existing loan obligations before applying
- Choose a shorter term for better conditions
- Build financial reserves for emergencies
What banks check
- Income and employment stability
- Ratio of loan payment to income (max. 35-40%)
- Amount of equity and additional collateral
- Existing financial obligations
Frequently asked questions
Answers to frequently asked questions about the eligibility check.
What does the mortgage eligibility score mean?
The score shows your financial suitability for a mortgage on a scale of 0-100%. A higher score means better chances of loan approval at favourable conditions.
Which factors influence my score?
Your score is influenced by several factors: affordability (ratio of income to loan payment), equity ratio, debt level, loan term, employment status and available reserves.
How much equity should I have?
Ideally, you should bring at least 20-30% of the total purchase price (including closing costs) as equity. The higher your equity, the better your conditions.
What is a sustainable loan payment?
As a rule of thumb: your monthly loan payment plus existing credit obligations should not exceed 35-40% of your net income.
Ready for your financing?
Our financing experts analyze your individual situation – free and non-binding.