What are the key factors that influence your maximum mortgage?
These are the key factors influencing your maximum mortgage:
Income: your gross annual income is the primary factor lenders use to calculate your borrowing capacity.
Mortgage term: the length of the mortgage affects monthly payments and total affordability.
Interest rate: the you select directly influence your maximum mortgage and monthly payments.
Existing debts: loans, credit cards, car leases, and other financial obligations reduce your borrowing capacity.
Home value and type: the property’s value and type may affect the loan-to-value ratio and eligibility
How do we calculate your mortgages at OHAO?
We begin with a free consultation, during which our mortgage advisors gather key information—such as your income, holiday pay, and bonuses—to calculate an accurate estimate of your maximum mortgage.
Each client receives a personalized report that not only outlines their potential borrowing capacity but also provides a clear overview of monthly payments, closing costs, and tax-deductible expenses.
With this insight, you are fully prepared to search for your ideal home and place competitive bids. If required, our team can also issue a bidding certificate, giving you added strength and credibility as a buyer.
- Competitive advisory fees from €2.495
- Expat mortage experts
- Clear, fast, and personal guidance
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