Mortgage Affordability (Global)
Auto-loads mortgage rules for 40+ countries. Enter your income and country — we handle max LTV, typical terms, fixed vs floating rates, prepayment penalties, stamp duty, and notary fees.
Type any city (Amsterdam, Berlin, Dubai, Tokyo, Madrid) and we auto-resolve the country and load local mortgage rules.
100% LTV for first-time buyers (starterslening). NHG guarantee available for loans under €435,000 (2026).
| Cost item | Amount |
|---|---|
| Down payment | €0 |
| Stamp duty (2.0%) | €7,423 |
| Notary fees (1.00%) | €3,712 |
| Registration | €1,114 |
| Valuation | €600 |
| Mortgage arrangement | €3,712 |
| Total upfront cash | €16,560 |
| Rule | 🇩🇪 Germany | 🇪🇸 Spain | 🇯🇵 Japan | 🇦🇪 UAE |
|---|---|---|---|---|
| Max LTV (resident) | 100% | 80% | 100% | 80% |
| Default term | 30y | 25y | 35y | 25y |
| Avg fixed rate | 3.6% | 3.5% | 1.8% | 5% |
| Prepayment penalty | 0.75% | 0.25% | 0.5% | 2% |
| Stamp duty | 5.0% | 8.0% | 0.1% | 6.0% |
| Notary fees | 1.50% | 0.75% | 0.00% | 0.00% |
| DTI limit | 40% | 40% | 35% | 50% |
| Stress test | +2% | +2% | +3% | +2% |
Frequently asked questions
How does the global mortgage affordability calculator work?
The calculator auto-loads country-specific mortgage rules — max LTV, typical term, rate types, prepayment penalties, stamp duty, notary fees, DTI limits, and the regulator-mandated stress test — then applies them to your income, debts, and down payment.
Mortgage rules in Germany vs Spain vs Japan vs UAE?
Germany: 80–100% LTV, 10–30y fixed, 3.5–6.5% stamp duty. Spain: 60–80% LTV, fixed or mixed, 0.5–10% stamp duty. Japan: up to 100% LTV via Flat 35 (residents only), 35y, 0% prepayment penalty. UAE: 75–80% LTV, 1–5y fixed then floating, 6% total stamp.
Can expats and non-residents use this calculator?
Yes. Separate LTV rules for residents, EU citizens, and expats. Germany caps non-EU expats at ~60%, Spain at 60–70%, UAE expats at 75%, Japan non-residents at 50–70%.
How does the stress test work?
Each country has a regulator-mandated rate shock: +2% (NL, DE, ES, UAE), +3% (JP, UK, AU). The calculator reprices your monthly payment and flags if your stressed DTI exceeds the country's limit.
What is included in total cost of ownership?
Purchase price + upfront costs (stamp duty, notary, registration, valuation, mortgage arrangement) + total interest + ongoing property tax and insurance over the loan term.
How accurate are the rules?
95%+ for major countries — LTV, stamp duty, and notary fees are updated quarterly from central banks and tax authorities. Rates update weekly from major lenders.
Are prepayment penalties really that different?
Yes. Spain caps at 0.15–0.25% by law, Japan's Flat 35 is 0%, Germany averages 0.5–1%, UAE can hit 1–3%. This dramatically affects refinancing economics.
Is there an API?
Yes. REST API returns country rules, affordability, stress test, and cost breakdown. Free tier 200 req/day; Pro $5/mo.