Calculating property value: why and how

Why is the value of the house important?

Being aware of the property's value helps you make informed financial decisions, ensuring that your investment is sound and that you meet all the necessary requirements for securing a mortgage.

Maximum mortgage amount

Understanding the value of a house is very important when considering the purchase of a home. The property's value directly influences the maximum mortgage amount you can obtain from a lender. Regardless of your income level, lenders allow you to borrow up to 100% of the house’s value. This limit increases to 106% if you plan to implement energy-saving measures. Additionally, if the purchase price of the property exceeds its appraised value, you must cover the difference with your own funds. Therefore, it is wise to keep the purchase price close to the house’s value to avoid significant out-of-pocket expenses.

Moreover, knowing the property's value is important for qualifying for the Nationale Hypotheek Garantie (NHG). The NHG helps you cover (a part of) the remaining debt if the house needs to be sold and the sale proceeds are not enough to pay off the mortgage. For example: to be eligible for an NHG-backed mortgage, the house’s value must not exceed €435,000. However, if you are taking energy-saving measures, this limit increases to €461,100. Keep in mind that the maximum value of the house can change annually. It is therefore a good idea to contact your mortgage advisor about this.

Increasing your mortgage to withdraw home equity

Buying a new-build home

Increasing your mortgage for renovation

Creating a sustainable home

Reviews from our customers

Every day, we strive for 5-star service, as this is the minimum for us. That’s why we are so proud of the feedback we receive from our customers:

0/5 op basis van 0 reviews

Desktop appraisal

A desktop appraisal evaluates a property's value without requiring an in-person visit. This type of appraisal typically costs about €100 and that relies on statistical models and available market data, such as information from the Land Registry.

The main benefit of a desktop appraisal is its speed; you can often receive the report within a few hours, whereas a traditional appraisal might take various days. Additionally, desktop appraisals are much more affordable.

However, there are some drawbacks. Desktop appraisals are generally accepted only for financing up to 90% of the house’s value. If you want to finance the full value of the property, a desktop appraisal won't be sufficient. Moreover, many lenders do not accept desktop appraisals for certain house types, such as apartments.

Physical appraisal by an appraiser

Another method is a traditional appraisal, which costs between €500 and €800. In this process, a professional appraiser visits the property to assess its condition, size, location, and other relevant factors. The appraiser also compares the house to similar ones that have recently sold.

The appraiser then creates a detailed report containing an accurate estimate of the property's value. One of the major advantages of a traditional appraisal is that it allows you to finance the house up to 100% of its value, making it a preferred option for many buyers.

Different ways to calculate property value

These factors help us keep our customers satisfied.

We always strive for the best-fitting offer

We compare for you with over 40+ lenders, always independent!

Always reliable, your personal advisor

For all your questions, you have contact with one advisor, whom you can rely on!

Your first consultation is always free and without obligation

Schedule an introductory meeting this week, even in the evenings!

Get access to and the

Find your mortgage today! With just a few clicks, you’ll get access to the lowest interest rates and the best terms that match your situation. Don’t miss the opportunity to save on your mortgage. Start comparing now and discover how much you can save!

Calculating property value