{"id":12897,"date":"2026-08-09T12:42:15","date_gmt":"2026-08-09T10:42:15","guid":{"rendered":"https:\/\/flexestate.nl\/?page_id=12897"},"modified":"2026-08-09T15:44:14","modified_gmt":"2026-08-09T13:44:14","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/flexestate.nl\/nl\/maximale-hypotheek-berekenen\/","title":{"rendered":"Hypotheek berekenen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12897\" class=\"elementor elementor-12897\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe31a7e e-con-full e-flex e-con e-parent\" data-id=\"fe31a7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-293ff74 elementor-widget elementor-widget-Houzez_Banner_Image\" data-id=\"293ff74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Houzez_Banner_Image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <div class=\"banner-image-module d-flex justify-content-center align-items-center\">\n                        \n            <img decoding=\"async\" class=\"img-fluid\" src=\"https:\/\/flexestate.nl\/wp-content\/uploads\/2026\/08\/219C3E7C-D9AF-4FB1-8415-4A87752CA42B.png\" alt=\"Maximum mortgage calculation to buy a house in the Netherlands\">\n                            <a class=\"banner-image-module-link w-100 h-100 top-0 bottom-0 start-0 end-0\"><\/a>\n                    <\/div>\n        \n   \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2601a11 elementor-widget elementor-widget-html\" data-id=\"2601a11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.flex-mortgage-benefits {\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    max-width: 1100px;\n    margin: 18px auto 30px;\n    background: #ffffff;\n    border: 1px solid #e8edf2;\n    border-radius: 16px;\n    box-shadow: 0 8px 24px rgba(0, 28, 81, 0.07);\n    overflow: hidden;\n    font-family: 'Poppins', sans-serif;\n}\n\n.flex-mortgage-benefit {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    gap: 13px;\n    padding: 18px 22px;\n    color: #001C51;\n    position: relative;\n}\n\n.flex-mortgage-benefit:not(:last-child)::after {\n    content: \"\";\n    position: absolute;\n    right: 0;\n    top: 25%;\n    height: 50%;\n    width: 1px;\n    background: #e2e8ee;\n}\n\n.flex-mortgage-icon {\n    width: 42px;\n    height: 42px;\n    min-width: 42px;\n    border-radius: 50%;\n    background: rgba(22, 191, 191, 0.12);\n    color: #16BFBF;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n}\n\n.flex-mortgage-icon svg {\n    width: 21px;\n    height: 21px;\n    stroke: currentColor;\n}\n\n.flex-mortgage-text {\n    display: flex;\n    flex-direction: column;\n    line-height: 1.3;\n}\n\n.flex-mortgage-text strong {\n    font-size: 14px;\n    font-weight: 600;\n    color: #001C51;\n}\n\n.flex-mortgage-text span {\n    font-size: 12px;\n    color: #687386;\n    margin-top: 2px;\n}\n\n\/* Mobile *\/\n@media (max-width: 767px) {\n    .flex-mortgage-benefits {\n        grid-template-columns: 1fr;\n        margin: 12px 10px 24px;\n        border-radius: 14px;\n    }\n\n    .flex-mortgage-benefit {\n        justify-content: flex-start;\n        padding: 14px 18px;\n    }\n\n    .flex-mortgage-benefit:not(:last-child)::after {\n        top: auto;\n        bottom: 0;\n        left: 18px;\n        right: 18px;\n        width: auto;\n        height: 1px;\n    }\n\n    .flex-mortgage-icon {\n        width: 38px;\n        height: 38px;\n        min-width: 38px;\n    }\n}\n<\/style>\n\n<div class=\"flex-mortgage-benefits\">\n\n    <!-- Free calculation -->\n    <div class=\"flex-mortgage-benefit\">\n        <div class=\"flex-mortgage-icon\">\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\"\n                 stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                <rect x=\"4\" y=\"2\" width=\"16\" height=\"20\" rx=\"2\"><\/rect>\n                <line x1=\"8\" y1=\"6\" x2=\"16\" y2=\"6\"><\/line>\n                <line x1=\"8\" y1=\"11\" x2=\"8\" y2=\"11\"><\/line>\n                <line x1=\"12\" y1=\"11\" x2=\"12\" y2=\"11\"><\/line>\n                <line x1=\"16\" y1=\"11\" x2=\"16\" y2=\"11\"><\/line>\n                <line x1=\"8\" y1=\"15\" x2=\"8\" y2=\"15\"><\/line>\n                <line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"15\"><\/line>\n                <line x1=\"16\" y1=\"15\" x2=\"16\" y2=\"15\"><\/line>\n            <\/svg>\n        <\/div>\n\n        <div class=\"flex-mortgage-text\">\n            <strong>Free calculation<\/strong>\n            <span>No cost or obligation<\/span>\n        <\/div>\n    <\/div>\n\n    <!-- No account -->\n    <div class=\"flex-mortgage-benefit\">\n        <div class=\"flex-mortgage-icon\">\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\"\n                 stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                <path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"><\/path>\n                <path d=\"M9 12l2 2 4-4\"><\/path>\n            <\/svg>\n        <\/div>\n\n        <div class=\"flex-mortgage-text\">\n            <strong>No account required<\/strong>\n            <span>Calculate instantly<\/span>\n        <\/div>\n    <\/div>\n\n    <!-- 2026 rules -->\n    <div class=\"flex-mortgage-benefit\">\n        <div class=\"flex-mortgage-icon\">\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\"\n                 stroke-linecap=\"round\" stroke-linejoin=\"round\">\n                <rect x=\"3\" y=\"5\" width=\"18\" height=\"16\" rx=\"2\"><\/rect>\n                <line x1=\"16\" y1=\"3\" x2=\"16\" y2=\"7\"><\/line>\n                <line x1=\"8\" y1=\"3\" x2=\"8\" y2=\"7\"><\/line>\n                <line x1=\"3\" y1=\"10\" x2=\"21\" y2=\"10\"><\/line>\n                <path d=\"M9 15l2 2 4-4\"><\/path>\n            <\/svg>\n        <\/div>\n\n        <div class=\"flex-mortgage-text\">\n            <strong>Based on 2026 rules<\/strong>\n            <span>Dutch mortgage rules<\/span>\n        <\/div>\n    <\/div>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b1df6b elementor-widget elementor-widget-html\" data-id=\"8b1df6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"fe-mortgage-explainer\">\n  <style>\n    .fe-mortgage-explainer{\n      max-width:1100px;\n      margin:70px auto 0;\n      padding:0 24px;\n      font-family:Poppins,Arial,sans-serif;\n      color:#1F2A3D;\n    }\n\n    .fe-mortgage-explainer h2{\n      margin:0 0 16px;\n      color:#001C51;\n      font-size:36px;\n      line-height:1.25;\n      font-weight:800;\n    }\n\n    .fe-mortgage-explainer .fe-lead{\n      max-width:860px;\n      margin:0 0 34px;\n      color:#667286;\n      font-size:16px;\n      line-height:1.8;\n    }\n\n    .fe-factor-grid{\n      display:grid;\n      grid-template-columns:repeat(3,1fr);\n      gap:18px;\n    }\n\n    .fe-factor-card{\n      padding:24px;\n      border:1px solid #DCE3ED;\n      border-radius:16px;\n      background:#fff;\n      box-shadow:0 8px 24px rgba(0,28,81,.05);\n    }\n\n    .fe-factor-icon{\n      width:42px;\n      height:42px;\n      display:flex;\n      align-items:center;\n      justify-content:center;\n      margin-bottom:15px;\n      border-radius:50%;\n      background:#EAF9F8;\n      color:#001C51;\n      font-size:18px;\n      font-weight:800;\n    }\n\n    .fe-factor-card h3{\n      margin:0 0 8px;\n      color:#001C51;\n      font-size:17px;\n      line-height:1.35;\n    }\n\n    .fe-factor-card p{\n      margin:0;\n      color:#6F7B8D;\n      font-size:13px;\n      line-height:1.65;\n    }\n\n    @media(max-width:850px){\n      .fe-factor-grid{\n        grid-template-columns:1fr 1fr;\n      }\n    }\n\n    @media(max-width:600px){\n      .fe-mortgage-explainer{\n        margin-top:50px;\n        padding:0 18px;\n      }\n\n      .fe-mortgage-explainer h2{\n        font-size:29px;\n      }\n\n      .fe-factor-grid{\n        grid-template-columns:1fr;\n      }\n    }\n  <\/style>\n\n  <h2>How much mortgage can I get in the Netherlands?<\/h2>\n\n  <p class=\"fe-lead\">\n    Your maximum mortgage depends on more than your salary alone. Your income, interest rate, financial commitments, whether you are buying alone or with a partner, and the energy label of the property can all influence your borrowing capacity.\n    <br><br>\n    The Flex Estate mortgage calculator gives you a first indication of what you may be able to borrow and what your total buying budget could be, so you can search for homes in a more realistic price range.\n  <\/p>\n\n  <div class=\"fe-factor-grid\">\n\n    <div class=\"fe-factor-card\">\n      <div class=\"fe-factor-icon\">\u20ac<\/div>\n      <h3>Income<\/h3>\n      <p>Your gross qualifying income is one of the main factors used to estimate how much you may be able to borrow.<\/p>\n    <\/div>\n\n    <div class=\"fe-factor-card\">\n      <div class=\"fe-factor-icon\">2<\/div>\n      <h3>Buying with a partner<\/h3>\n      <p>When buying together, both qualifying incomes can affect the maximum mortgage calculation.<\/p>\n    <\/div>\n\n    <div class=\"fe-factor-card\">\n      <div class=\"fe-factor-icon\">\u2212<\/div>\n      <h3>Loans & commitments<\/h3>\n      <p>Student loans, personal loans, private lease and other financial obligations can reduce borrowing capacity.<\/p>\n    <\/div>\n\n    <div class=\"fe-factor-card\">\n      <div class=\"fe-factor-icon\">%<\/div>\n      <h3>Interest rate<\/h3>\n      <p>The selected mortgage rate and fixed-interest period can materially affect the maximum mortgage amount.<\/p>\n    <\/div>\n\n    <div class=\"fe-factor-card\">\n      <div class=\"fe-factor-icon\">A<\/div>\n      <h3>Energy label<\/h3>\n      <p>More energy-efficient homes may qualify for additional borrowing capacity under Dutch mortgage rules.<\/p>\n    <\/div>\n\n    <div class=\"fe-factor-card\">\n      <div class=\"fe-factor-icon\">+<\/div>\n      <h3>Own funds<\/h3>\n      <p>Savings do not increase the income-based mortgage limit, but they can increase your overall home-buying budget.<\/p>\n    <\/div>\n\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bea3d7 elementor-widget elementor-widget-spacer\" data-id=\"6bea3d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39f2c01 elementor-widget elementor-widget-html\" data-id=\"39f2c01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- =========================================================\n FLEX ESTATE MORTGAGE CALCULATOR\n English Master Version\n Stable integrated version\n Paste this entire block into ONE Elementor HTML widget.\n========================================================= -->\n\n<div id=\"flex-estate-mortgage-calculator\" data-version=\"2026-08-09-v5\">\n\n<style>\n#flex-estate-mortgage-calculator{\n  --navy:#001C51;\n  --teal:#16BFBF;\n  --text:#1F2A3D;\n  --muted:#748095;\n  --line:#DCE3ED;\n  --soft:#F7F9FC;\n  --error:#C62828;\n  --success:#16825A;\n  --warning:#8A6400;\n\n  max-width:780px;\n  margin:0 auto;\n  font-family:Poppins,Arial,sans-serif;\n  color:var(--text);\n}\n\n#flex-estate-mortgage-calculator *{\n  box-sizing:border-box;\n}\n\n#flex-estate-mortgage-calculator .fe-hidden{\n  display:none!important;\n}\n\n\n\/* STEPPER *\/\n\n#flex-estate-mortgage-calculator .fe-stepper{\n  display:flex;\n  justify-content:center;\n  align-items:center;\n  margin-bottom:28px;\n}\n\n#flex-estate-mortgage-calculator .fe-step-dot{\n  width:36px;\n  height:36px;\n  flex:0 0 36px;\n  border:2px solid #E3E8EF;\n  border-radius:50%;\n  display:flex;\n  align-items:center;\n  justify-content:center;\n  background:#fff;\n  color:#A5AFBC;\n  font-size:14px;\n  font-weight:700;\n  transition:.2s ease;\n}\n\n#flex-estate-mortgage-calculator .fe-step-dot.active,\n#flex-estate-mortgage-calculator .fe-step-dot.done{\n  background:var(--teal);\n  border-color:var(--teal);\n  color:#fff;\n}\n\n#flex-estate-mortgage-calculator .fe-step-line{\n  width:48px;\n  height:2px;\n  background:#E3E8EF;\n}\n\n#flex-estate-mortgage-calculator .fe-step-line.done{\n  background:var(--teal);\n}\n\n\n\/* CARD *\/\n\n#flex-estate-mortgage-calculator .fe-card{\n  background:#fff;\n  border:1px solid var(--line);\n  border-radius:18px;\n  padding:34px;\n  box-shadow:0 10px 28px rgba(0,28,81,.06);\n}\n\n#flex-estate-mortgage-calculator .fe-step{\n  display:none;\n}\n\n#flex-estate-mortgage-calculator .fe-step.active{\n  display:block;\n}\n\n#flex-estate-mortgage-calculator h2{\n  margin:0 0 8px;\n  color:var(--navy);\n  font-size:30px;\n  line-height:1.2;\n  font-weight:700;\n}\n\n#flex-estate-mortgage-calculator .fe-intro{\n  margin:0 0 24px;\n  color:var(--muted);\n  font-size:15px;\n  line-height:1.6;\n}\n\n\n\/* FORM *\/\n\n#flex-estate-mortgage-calculator label{\n  display:block;\n  margin:17px 0 8px;\n  font-size:14px;\n  font-weight:600;\n}\n\n#flex-estate-mortgage-calculator input,\n#flex-estate-mortgage-calculator select{\n  width:100%;\n  min-height:48px;\n  padding:0 14px;\n  border:1px solid #CDD6E2;\n  border-radius:10px;\n  background:#fff;\n  color:var(--text);\n  font:inherit;\n  outline:none;\n}\n\n#flex-estate-mortgage-calculator input:focus,\n#flex-estate-mortgage-calculator select:focus{\n  border-color:var(--teal);\n  box-shadow:0 0 0 3px rgba(22,191,191,.10);\n}\n\n#flex-estate-mortgage-calculator .fe-grid-2{\n  display:grid;\n  grid-template-columns:1fr 1fr;\n  gap:14px;\n}\n\n#flex-estate-mortgage-calculator .fe-grid-3{\n  display:grid;\n  grid-template-columns:1fr 1fr 1fr;\n  gap:12px;\n}\n\n\n\/* EURO INPUT *\/\n\n#flex-estate-mortgage-calculator .fe-euro-input{\n  position:relative;\n}\n\n#flex-estate-mortgage-calculator .fe-euro-input > span{\n  position:absolute;\n  left:14px;\n  top:50%;\n  transform:translateY(-50%);\n  color:#6F7B8D;\n  font-weight:600;\n  pointer-events:none;\n  z-index:2;\n}\n\n#flex-estate-mortgage-calculator .fe-euro-input input{\n  padding-left:34px;\n}\n\n\n\/* TOGGLES *\/\n\n#flex-estate-mortgage-calculator .fe-toggle-row{\n  display:grid;\n  grid-template-columns:1fr 1fr;\n  gap:12px;\n}\n\n#flex-estate-mortgage-calculator .fe-toggle{\n  padding:13px 16px;\n  border:1px solid #CDD6E2;\n  border-radius:10px;\n  text-align:center;\n  font-weight:600;\n  cursor:pointer;\n  background:#fff;\n  transition:.2s ease;\n}\n\n#flex-estate-mortgage-calculator .fe-toggle:hover{\n  border-color:#9AA9BB;\n}\n\n#flex-estate-mortgage-calculator .fe-toggle.selected{\n  border-color:var(--navy);\n  box-shadow:inset 0 0 0 1px var(--navy);\n  color:var(--navy);\n  background:#FBFCFE;\n}\n\n\n\/* CHECKBOX *\/\n\n#flex-estate-mortgage-calculator .fe-checkbox{\n  display:flex;\n  align-items:flex-start;\n  gap:10px;\n  margin-top:13px;\n  font-size:14px;\n  line-height:1.45;\n}\n\n#flex-estate-mortgage-calculator .fe-checkbox input{\n  width:18px;\n  min-width:18px;\n  height:18px;\n  min-height:18px;\n  margin-top:1px;\n  accent-color:var(--teal);\n}\n\n\n\/* HELP *\/\n\n#flex-estate-mortgage-calculator .fe-help{\n  margin-top:7px;\n  color:var(--muted);\n  font-size:12px;\n  line-height:1.5;\n}\n\n#flex-estate-mortgage-calculator .fe-info{\n  margin-top:12px;\n  padding:12px 14px;\n  border-radius:10px;\n  background:#F1F7FB;\n  color:#43546B;\n  font-size:12px;\n  line-height:1.55;\n}\n\n\n\/* ERRORS *\/\n\n#flex-estate-mortgage-calculator .fe-error{\n  display:none;\n  margin-top:8px;\n  color:var(--error);\n  font-size:12px;\n  font-weight:600;\n}\n\n#flex-estate-mortgage-calculator .fe-error.show{\n  display:block;\n}\n\n#flex-estate-mortgage-calculator .fe-invalid{\n  border-color:var(--error)!important;\n}\n\n#flex-estate-mortgage-calculator .fe-toggle-row.fe-invalid{\n  border:0!important;\n  outline:2px solid rgba(198,40,40,.18);\n  border-radius:12px;\n  padding:3px;\n}\n\n\n\/* COMMITMENTS *\/\n\n#flex-estate-mortgage-calculator .fe-obligation{\n  margin-bottom:12px;\n  padding:14px;\n  border:1px solid #E4E9F1;\n  border-radius:12px;\n  background:var(--soft);\n}\n\n#flex-estate-mortgage-calculator .fe-obligation label{\n  margin-top:0;\n}\n\n\n\/* NAVIGATION *\/\n\n#flex-estate-mortgage-calculator .fe-nav{\n  display:flex;\n  align-items:center;\n  justify-content:space-between;\n  gap:12px;\n  margin-top:30px;\n}\n\n#flex-estate-mortgage-calculator button{\n  border:0;\n  border-radius:999px;\n  padding:12px 20px;\n  font:inherit;\n  font-size:14px;\n  font-weight:700;\n  cursor:pointer;\n}\n\n#flex-estate-mortgage-calculator button:disabled{\n  opacity:.65;\n  cursor:not-allowed;\n}\n\n#flex-estate-mortgage-calculator .fe-back{\n  background:#F0F3F7;\n  color:var(--navy);\n}\n\n#flex-estate-mortgage-calculator .fe-next{\n  background:var(--teal);\n  color:#00314A;\n}\n\n\n\/* RESULT *\/\n\n#flex-estate-mortgage-calculator .fe-result-main{\n  margin:18px 0;\n  padding:28px;\n  border-radius:16px;\n  background:var(--navy);\n  color:#fff;\n}\n\n#flex-estate-mortgage-calculator .fe-result-label{\n  color:#C7D5E8;\n  font-size:13px;\n}\n\n#flex-estate-mortgage-calculator .fe-result-amount{\n  margin:7px 0 10px;\n  font-size:42px;\n  line-height:1.1;\n  font-weight:800;\n}\n\n#flex-estate-mortgage-calculator .fe-result-sub{\n  color:#DCE6F3;\n  font-size:14px;\n  line-height:1.65;\n}\n\n#flex-estate-mortgage-calculator .fe-result-grid{\n  display:grid;\n  grid-template-columns:1fr 1fr;\n  gap:12px;\n}\n\n#flex-estate-mortgage-calculator .fe-result-box{\n  padding:16px;\n  border:1px solid var(--line);\n  border-radius:12px;\n  background:#fff;\n}\n\n#flex-estate-mortgage-calculator .fe-result-box span{\n  display:block;\n  margin-bottom:5px;\n  color:var(--muted);\n  font-size:12px;\n}\n\n#flex-estate-mortgage-calculator .fe-result-box strong{\n  color:var(--navy);\n  font-size:18px;\n}\n\n\n\/* ENERGY *\/\n\n#flex-estate-mortgage-calculator .fe-energy-note{\n  margin-top:16px;\n  padding:16px;\n  border-radius:12px;\n  background:#EDF9F9;\n  color:#25515A;\n  font-size:13px;\n  line-height:1.65;\n}\n\n#flex-estate-mortgage-calculator .fe-energy-note strong{\n  color:var(--navy);\n}\n\n\n\/* SENIOR *\/\n\n#flex-estate-mortgage-calculator .fe-senior-note{\n  margin-top:16px;\n  padding:15px 16px;\n  border-radius:12px;\n  background:#FFF7DF;\n  color:var(--warning);\n  font-size:12px;\n  line-height:1.6;\n}\n\n\n\/* RATES *\/\n\n#flex-estate-mortgage-calculator .fe-rate-section{\n  margin-top:24px;\n  overflow:hidden;\n  border:1px solid var(--line);\n  border-radius:14px;\n}\n\n#flex-estate-mortgage-calculator .fe-rate-title{\n  padding:17px 18px;\n  border-bottom:1px solid var(--line);\n  background:#F8FAFC;\n  color:var(--navy);\n  font-size:16px;\n  font-weight:700;\n}\n\n#flex-estate-mortgage-calculator .fe-rate-row{\n  display:grid;\n  grid-template-columns:30px 1fr auto;\n  gap:10px;\n  align-items:center;\n  padding:15px 18px;\n  border-bottom:1px solid #EDF0F4;\n  cursor:pointer;\n}\n\n#flex-estate-mortgage-calculator .fe-rate-row:last-child{\n  border-bottom:0;\n}\n\n#flex-estate-mortgage-calculator .fe-rate-row:hover{\n  background:#FAFCFE;\n}\n\n#flex-estate-mortgage-calculator .fe-rate-radio{\n  position:relative;\n  width:18px;\n  height:18px;\n  border:2px solid #C6CFDB;\n  border-radius:50%;\n}\n\n#flex-estate-mortgage-calculator .fe-rate-row.selected .fe-rate-radio{\n  border-color:var(--teal);\n}\n\n#flex-estate-mortgage-calculator .fe-rate-row.selected .fe-rate-radio:after{\n  content:\"\";\n  position:absolute;\n  top:3px;\n  left:3px;\n  width:8px;\n  height:8px;\n  border-radius:50%;\n  background:var(--teal);\n}\n\n#flex-estate-mortgage-calculator .fe-rate-name{\n  font-size:14px;\n  font-weight:600;\n}\n\n#flex-estate-mortgage-calculator .fe-rate-value{\n  color:var(--navy);\n  font-size:15px;\n  font-weight:700;\n  white-space:nowrap;\n}\n\n#flex-estate-mortgage-calculator .fe-rate-small{\n  display:block;\n  margin-top:2px;\n  color:var(--muted);\n  font-size:11px;\n  font-weight:400;\n}\n\n\n\/* NEXT STEPS *\/\n\n#flex-estate-mortgage-calculator .fe-next-steps{\n  margin-top:32px;\n  padding-top:28px;\n  border-top:1px solid var(--line);\n}\n\n#flex-estate-mortgage-calculator .fe-next-steps-title{\n  margin:0 0 6px;\n  color:var(--navy);\n  font-size:23px;\n}\n\n#flex-estate-mortgage-calculator .fe-next-steps-intro{\n  margin:0 0 20px;\n  color:var(--muted);\n  font-size:14px;\n  line-height:1.5;\n}\n\n#flex-estate-mortgage-calculator .fe-next-step-grid{\n  display:grid;\n  grid-template-columns:repeat(3,1fr);\n  gap:14px;\n}\n\n#flex-estate-mortgage-calculator .fe-next-step-card{\n  display:flex;\n  flex-direction:column;\n  padding:20px;\n  border:1px solid var(--line);\n  border-radius:16px;\n  background:#fff;\n  box-shadow:0 5px 15px rgba(0,28,81,.035);\n}\n\n#flex-estate-mortgage-calculator .fe-next-step-icon{\n  width:42px;\n  height:42px;\n  display:flex;\n  align-items:center;\n  justify-content:center;\n  margin-bottom:14px;\n  border-radius:50%;\n  background:#EAF9F8;\n  color:var(--navy);\n  font-size:19px;\n  font-weight:700;\n}\n\n#flex-estate-mortgage-calculator .fe-next-step-card h3{\n  margin:0 0 8px;\n  color:var(--navy);\n  font-size:16px;\n  line-height:1.35;\n}\n\n#flex-estate-mortgage-calculator .fe-next-step-card p{\n  flex:1;\n  margin:0 0 16px;\n  color:var(--muted);\n  font-size:13px;\n  line-height:1.5;\n}\n\n#flex-estate-mortgage-calculator .fe-next-step-button{\n  width:100%;\n  padding:11px 14px;\n  border-radius:999px;\n  background:var(--navy);\n  color:#fff;\n  font-size:12px;\n  font-weight:700;\n}\n\n#flex-estate-mortgage-calculator .fe-next-step-button.teal{\n  background:var(--teal);\n  color:#00314A;\n}\n\n#flex-estate-mortgage-calculator .fe-next-step-button.light{\n  background:#EEF2F6;\n  color:var(--navy);\n}\n\n#flex-estate-mortgage-calculator .fe-save-message{\n  margin-top:9px;\n  color:var(--success);\n  font-size:11px;\n  line-height:1.4;\n}\n\n\n\/* ADVISER *\/\n\n#flex-estate-mortgage-calculator .fe-advisor-form{\n  margin-top:22px;\n  padding:24px;\n  border:1px solid var(--line);\n  border-radius:16px;\n  background:#F8FAFC;\n}\n\n#flex-estate-mortgage-calculator .fe-advisor-form h3{\n  margin:0 0 6px;\n  color:var(--navy);\n  font-size:21px;\n}\n\n#flex-estate-mortgage-calculator .fe-advisor-form > p{\n  margin:0 0 18px;\n  color:var(--muted);\n  font-size:14px;\n  line-height:1.5;\n}\n\n#flex-estate-mortgage-calculator .fe-advisor-summary{\n  display:flex;\n  justify-content:space-between;\n  align-items:center;\n  gap:15px;\n  margin-top:18px;\n  padding:15px;\n  border:1px solid var(--line);\n  border-radius:12px;\n  background:#fff;\n}\n\n#flex-estate-mortgage-calculator .fe-advisor-summary span{\n  color:var(--muted);\n  font-size:13px;\n}\n\n#flex-estate-mortgage-calculator .fe-advisor-summary strong{\n  color:var(--navy);\n  font-size:18px;\n}\n\n#flex-estate-mortgage-calculator .fe-advisor-success{\n  margin-top:14px;\n  padding:12px 14px;\n  border-radius:10px;\n  background:#E9F7F1;\n  color:#13714C;\n  font-size:13px;\n  font-weight:600;\n}\n\n\n\/* DISCLAIMER *\/\n\n#flex-estate-mortgage-calculator .fe-disclaimer{\n  margin-top:22px;\n  color:var(--muted);\n  font-size:11px;\n  line-height:1.65;\n}\n\n\n\/* MOBILE *\/\n\n@media(max-width:680px){\n\n  #flex-estate-mortgage-calculator .fe-card{\n    padding:24px 18px;\n  }\n\n  #flex-estate-mortgage-calculator h2{\n    font-size:27px;\n  }\n\n  #flex-estate-mortgage-calculator .fe-grid-2,\n  #flex-estate-mortgage-calculator .fe-grid-3,\n  #flex-estate-mortgage-calculator .fe-toggle-row,\n  #flex-estate-mortgage-calculator .fe-result-grid,\n  #flex-estate-mortgage-calculator .fe-next-step-grid{\n    grid-template-columns:1fr;\n  }\n\n  #flex-estate-mortgage-calculator .fe-step-line{\n    width:22px;\n  }\n\n  #flex-estate-mortgage-calculator .fe-result-amount{\n    font-size:34px;\n  }\n\n  #flex-estate-mortgage-calculator .fe-rate-row{\n    grid-template-columns:28px 1fr;\n  }\n\n  #flex-estate-mortgage-calculator .fe-rate-value{\n    grid-column:2;\n  }\n\n  #flex-estate-mortgage-calculator .fe-advisor-summary{\n    flex-direction:column;\n    align-items:flex-start;\n  }\n\n}\n<\/style>\n\n\n<!-- STEPPER -->\n\n<div class=\"fe-stepper\">\n\n  <div class=\"fe-step-dot active\" data-dot=\"1\">1<\/div>\n  <div class=\"fe-step-line\" data-line=\"1\"><\/div>\n\n  <div class=\"fe-step-dot\" data-dot=\"2\">2<\/div>\n  <div class=\"fe-step-line\" data-line=\"2\"><\/div>\n\n  <div class=\"fe-step-dot\" data-dot=\"3\">3<\/div>\n  <div class=\"fe-step-line\" data-line=\"3\"><\/div>\n\n  <div class=\"fe-step-dot\" data-dot=\"4\">4<\/div>\n  <div class=\"fe-step-line\" data-line=\"4\"><\/div>\n\n  <div class=\"fe-step-dot\" data-dot=\"5\">5<\/div>\n\n<\/div>\n\n\n<div class=\"fe-card\">\n\n\n<!-- STEP 1 -->\n\n<section class=\"fe-step active\" data-step=\"1\">\n\n  <h2>Your details<\/h2>\n\n  <p class=\"fe-intro\">\n    Enter the information used for your first mortgage estimate.\n  <\/p>\n\n\n  <label>Date of birth<\/label>\n\n  <div class=\"fe-grid-3\">\n\n    <input\n      id=\"fe-day\"\n      type=\"number\"\n      min=\"1\"\n      max=\"31\"\n      placeholder=\"Day\"\n    >\n\n    <input\n      id=\"fe-month\"\n      type=\"number\"\n      min=\"1\"\n      max=\"12\"\n      placeholder=\"Month\"\n    >\n\n    <input\n      id=\"fe-year\"\n      type=\"number\"\n      min=\"1900\"\n      placeholder=\"Year\"\n    >\n\n  <\/div>\n\n  <div class=\"fe-error\" id=\"fe-dob-error\">\n    Please enter a valid date of birth. You must be at least 18 years old.\n  <\/div>\n\n\n  <label>Are you self-employed?<\/label>\n\n  <div\n    class=\"fe-toggle-row\"\n    id=\"fe-self-employed-toggle\"\n  >\n\n    <div\n      class=\"fe-toggle\"\n      data-value=\"no\"\n    >\n      No\n    <\/div>\n\n    <div\n      class=\"fe-toggle\"\n      data-value=\"yes\"\n    >\n      Yes\n    <\/div>\n\n  <\/div>\n\n  <input\n    id=\"fe-self-employed\"\n    type=\"hidden\"\n    value=\"\"\n  >\n\n  <div class=\"fe-error\" id=\"fe-self-employed-error\">\n    Please select Yes or No.\n  <\/div>\n\n  <div\n    class=\"fe-info fe-hidden\"\n    id=\"fe-self-employed-note\"\n  >\n    If you are self-employed, use the qualifying income that a mortgage\n    adviser or income assessment would accept. Business turnover is not\n    automatically the same as mortgage qualifying income.\n  <\/div>\n\n\n  <label>Gross income<\/label>\n\n  <div class=\"fe-grid-2\">\n\n    <div class=\"fe-euro-input\">\n\n      <span>\u20ac<\/span>\n\n      <input\n        id=\"fe-income\"\n        type=\"number\"\n        value=\"\"\n        min=\"0\"\n        step=\"50\"\n        placeholder=\"0\"\n      >\n\n    <\/div>\n\n    <select id=\"fe-income-period\">\n\n      <option value=\"month\">\n        per month\n      <\/option>\n\n      <option value=\"year\">\n        per year\n      <\/option>\n\n    <\/select>\n\n  <\/div>\n\n  <div class=\"fe-error\" id=\"fe-income-error\">\n    Please enter your gross income.\n  <\/div>\n\n\n  <div class=\"fe-checkbox\">\n\n    <input\n      id=\"fe-holiday\"\n      type=\"checkbox\"\n    >\n\n    <span>\n      Include holiday allowance (8%)\n    <\/span>\n\n  <\/div>\n\n\n  <div class=\"fe-checkbox\">\n\n    <input\n      id=\"fe-thirteenth\"\n      type=\"checkbox\"\n    >\n\n    <span>\n      Include 13th-month salary\n    <\/span>\n\n  <\/div>\n\n\n  <div class=\"fe-nav\">\n\n    <span><\/span>\n\n    <button\n      type=\"button\"\n      class=\"fe-next\"\n      onclick=\"FEMortgage.validateStep1()\"\n    >\n      Next step\n    <\/button>\n\n  <\/div>\n\n<\/section>\n\n\n<!-- STEP 2 -->\n\n<section class=\"fe-step\" data-step=\"2\">\n\n  <h2>Your partner<\/h2>\n\n  <p class=\"fe-intro\">\n    Tell us whether you are applying alone or together.\n  <\/p>\n\n\n  <label>\n    Are you applying with a partner?\n  <\/label>\n\n  <div\n    class=\"fe-toggle-row\"\n    id=\"fe-partner-toggle\"\n  >\n\n    <div\n      class=\"fe-toggle selected\"\n      data-value=\"no\"\n    >\n      No\n    <\/div>\n\n    <div\n      class=\"fe-toggle\"\n      data-value=\"yes\"\n    >\n      Yes\n    <\/div>\n\n  <\/div>\n\n  <input\n    id=\"fe-partner\"\n    type=\"hidden\"\n    value=\"no\"\n  >\n\n\n  <div\n    id=\"fe-partner-fields\"\n    class=\"fe-hidden\"\n  >\n\n    <label>Partner date of birth<\/label>\n\n    <div class=\"fe-grid-3\">\n\n      <input\n        id=\"fe-partner-day\"\n        type=\"number\"\n        min=\"1\"\n        max=\"31\"\n        placeholder=\"Day\"\n      >\n\n      <input\n        id=\"fe-partner-month\"\n        type=\"number\"\n        min=\"1\"\n        max=\"12\"\n        placeholder=\"Month\"\n      >\n\n      <input\n        id=\"fe-partner-year\"\n        type=\"number\"\n        min=\"1900\"\n        placeholder=\"Year\"\n      >\n\n    <\/div>\n\n    <div\n      class=\"fe-error\"\n      id=\"fe-partner-dob-error\"\n    >\n      Please enter your partner's valid date of birth.\n    <\/div>\n\n\n    <label>\n      Is your partner self-employed?\n    <\/label>\n\n    <div\n      class=\"fe-toggle-row\"\n      id=\"fe-partner-self-employed-toggle\"\n    >\n\n      <div\n        class=\"fe-toggle\"\n        data-value=\"no\"\n      >\n        No\n      <\/div>\n\n      <div\n        class=\"fe-toggle\"\n        data-value=\"yes\"\n      >\n        Yes\n      <\/div>\n\n    <\/div>\n\n    <input\n      id=\"fe-partner-self-employed\"\n      type=\"hidden\"\n      value=\"\"\n    >\n\n    <div\n      class=\"fe-error\"\n      id=\"fe-partner-self-employed-error\"\n    >\n      Please select Yes or No for your partner.\n    <\/div>\n\n    <div\n      class=\"fe-info fe-hidden\"\n      id=\"fe-partner-self-employed-note\"\n    >\n      If your partner is self-employed, enter the qualifying income that\n      can be accepted for a mortgage assessment.\n    <\/div>\n\n\n    <label>Partner gross income<\/label>\n\n    <div class=\"fe-grid-2\">\n\n      <div class=\"fe-euro-input\">\n\n        <span>\u20ac<\/span>\n\n        <input\n          id=\"fe-partner-income\"\n          type=\"number\"\n          value=\"\"\n          min=\"0\"\n          step=\"50\"\n          placeholder=\"0\"\n        >\n\n      <\/div>\n\n      <select id=\"fe-partner-income-period\">\n\n        <option value=\"month\">\n          per month\n        <\/option>\n\n        <option value=\"year\">\n          per year\n        <\/option>\n\n      <\/select>\n\n    <\/div>\n\n    <div\n      class=\"fe-error\"\n      id=\"fe-partner-income-error\"\n    >\n      Please enter your partner's gross income.\n    <\/div>\n\n\n    <div class=\"fe-checkbox\">\n\n      <input\n        id=\"fe-partner-holiday\"\n        type=\"checkbox\"\n      >\n\n      <span>\n        Include partner holiday allowance (8%)\n      <\/span>\n\n    <\/div>\n\n\n    <div class=\"fe-checkbox\">\n\n      <input\n        id=\"fe-partner-thirteenth\"\n        type=\"checkbox\"\n      >\n\n      <span>\n        Include partner 13th-month salary\n      <\/span>\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-nav\">\n\n    <button\n      type=\"button\"\n      class=\"fe-back\"\n      onclick=\"FEMortgage.go(1)\"\n    >\n      Back\n    <\/button>\n\n    <button\n      type=\"button\"\n      class=\"fe-next\"\n      onclick=\"FEMortgage.validateStep2()\"\n    >\n      Next step\n    <\/button>\n\n  <\/div>\n\n<\/section>\n\n\n<!-- STEP 3 -->\n\n<section class=\"fe-step\" data-step=\"3\">\n\n  <h2>Financial commitments<\/h2>\n\n  <p class=\"fe-intro\">\n    Only enter commitments that apply to you.\n  <\/p>\n\n\n  <div class=\"fe-obligation\">\n\n    <label>\n      DUO student loan - current monthly payment\n    <\/label>\n\n    <div class=\"fe-euro-input\">\n\n      <span>\u20ac<\/span>\n\n      <input\n        id=\"fe-duo\"\n        type=\"number\"\n        value=\"0\"\n        min=\"0\"\n      >\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-obligation\">\n\n    <label>\n      Credit or personal loan - monthly payment\n    <\/label>\n\n    <div class=\"fe-euro-input\">\n\n      <span>\u20ac<\/span>\n\n      <input\n        id=\"fe-credit\"\n        type=\"number\"\n        value=\"0\"\n        min=\"0\"\n      >\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-obligation\">\n\n    <label>\n      Partner alimony - monthly payment\n    <\/label>\n\n    <div class=\"fe-euro-input\">\n\n      <span>\u20ac<\/span>\n\n      <input\n        id=\"fe-alimony\"\n        type=\"number\"\n        value=\"0\"\n        min=\"0\"\n      >\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-obligation\">\n\n    <label>\n      Private lease - monthly payment\n    <\/label>\n\n    <div class=\"fe-euro-input\">\n\n      <span>\u20ac<\/span>\n\n      <input\n        id=\"fe-private-lease\"\n        type=\"number\"\n        value=\"0\"\n        min=\"0\"\n      >\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-obligation\">\n\n    <label>\n      Ground lease - yearly amount\n    <\/label>\n\n    <div class=\"fe-euro-input\">\n\n      <span>\u20ac<\/span>\n\n      <input\n        id=\"fe-ground-lease\"\n        type=\"number\"\n        value=\"0\"\n        min=\"0\"\n      >\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-nav\">\n\n    <button\n      type=\"button\"\n      class=\"fe-back\"\n      onclick=\"FEMortgage.go(2)\"\n    >\n      Back\n    <\/button>\n\n    <button\n      type=\"button\"\n      class=\"fe-next\"\n      onclick=\"FEMortgage.go(4)\"\n    >\n      Next step\n    <\/button>\n\n  <\/div>\n\n<\/section>\n\n\n<!-- STEP 4 -->\n\n<section class=\"fe-step\" data-step=\"4\">\n\n  <h2>Energy label<\/h2>\n\n  <p class=\"fe-intro\">\n    A more energy-efficient home may allow additional borrowing capacity.\n  <\/p>\n\n\n  <label>\n    Expected energy label of the property\n  <\/label>\n\n  <select id=\"fe-energy-label\">\n\n    <option>G<\/option>\n    <option>F<\/option>\n    <option>E<\/option>\n    <option>D<\/option>\n    <option>C<\/option>\n\n    <option selected>B<\/option>\n\n    <option>A<\/option>\n    <option>A+<\/option>\n    <option>A++<\/option>\n    <option>A+++<\/option>\n    <option>A++++<\/option>\n\n  <\/select>\n\n\n  <label>\n    Own funds you want to use\n  <\/label>\n\n  <div class=\"fe-euro-input\">\n\n    <span>\u20ac<\/span>\n\n    <input\n      id=\"fe-own-funds\"\n      type=\"number\"\n      value=\"\"\n      min=\"0\"\n      placeholder=\"0\"\n    >\n\n  <\/div>\n\n  <div class=\"fe-help\">\n    Optional. Own funds increase your estimated total purchase budget,\n    not your mortgage limit.\n  <\/div>\n\n\n  <div class=\"fe-nav\">\n\n    <button\n      type=\"button\"\n      class=\"fe-back\"\n      onclick=\"FEMortgage.go(3)\"\n    >\n      Back\n    <\/button>\n\n    <button\n      type=\"button\"\n      class=\"fe-next\"\n      onclick=\"FEMortgage.calculate()\"\n    >\n      Calculate\n    <\/button>\n\n  <\/div>\n\n<\/section>\n\n\n<!-- STEP 5 -->\n\n<section class=\"fe-step\" data-step=\"5\">\n\n  <h2>Your buying power<\/h2>\n\n  <p class=\"fe-intro\">\n    Compare your estimated mortgage and choose your next step.\n  <\/p>\n\n\n  <div class=\"fe-result-main\">\n\n    <div class=\"fe-result-label\">\n      Estimated maximum mortgage\n    <\/div>\n\n    <div\n      class=\"fe-result-amount\"\n      id=\"fe-max-mortgage\"\n    >\n      \u20ac 0\n    <\/div>\n\n    <div class=\"fe-result-sub\">\n\n      Gross monthly payment:\n      <strong id=\"fe-gross-inline\">\n        \u20ac 0\n      <\/strong>\n\n      <br>\n\n      Estimated net monthly payment:\n      <strong id=\"fe-net-inline\">\n        \u20ac 0\n      <\/strong>\n\n      <br><br>\n\n      Estimated purchase budget including own funds:\n      <strong id=\"fe-purchase-budget\">\n        \u20ac 0\n      <\/strong>\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-result-grid\">\n\n    <div class=\"fe-result-box\">\n\n      <span>\n        Assessed annual income\n      <\/span>\n\n      <strong id=\"fe-annual-income\">\n        \u20ac 0\n      <\/strong>\n\n    <\/div>\n\n\n    <div class=\"fe-result-box\">\n\n      <span>\n        Selected interest rate\n      <\/span>\n\n      <strong id=\"fe-selected-rate\">\n        4.19%\n      <\/strong>\n\n    <\/div>\n\n\n    <div class=\"fe-result-box\">\n\n      <span>\n        Gross monthly payment\n      <\/span>\n\n      <strong id=\"fe-gross-monthly\">\n        \u20ac 0\n      <\/strong>\n\n    <\/div>\n\n\n    <div class=\"fe-result-box\">\n\n      <span>\n        Estimated net monthly payment\n      <\/span>\n\n      <strong id=\"fe-net-monthly\">\n        \u20ac 0\n      <\/strong>\n\n    <\/div>\n\n\n    <div class=\"fe-result-box\">\n\n      <span>\n        Energy label\n      <\/span>\n\n      <strong id=\"fe-result-energy-label\">\n        B\n      <\/strong>\n\n    <\/div>\n\n\n    <div class=\"fe-result-box\">\n\n      <span>\n        NHG amount check\n      <\/span>\n\n      <strong id=\"fe-nhg-status\">\n        -\n      <\/strong>\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-energy-note\">\n\n    Based on energy label\n\n    <strong id=\"fe-energy-label-result\">\n      B\n    <\/strong>,\n\n    the property may provide up to\n\n    <strong id=\"fe-label-extra\">\n      \u20ac 10,000\n    <\/strong>\n\n    of additional mortgage capacity.\n\n    <br><br>\n\n    You may also be able to borrow up to\n\n    <strong id=\"fe-renovation-extra\">\n      \u20ac 10,000\n    <\/strong>\n\n    extra for qualifying energy-saving improvements.\n\n  <\/div>\n\n\n  <div\n    id=\"fe-senior-note\"\n    class=\"fe-senior-note fe-hidden\"\n  >\n    Because one of the applicants is aged 57 or older, future pension\n    income may materially affect the final mortgage assessment. Treat this\n    result as a first indication and have a mortgage adviser calculate the\n    pension-income scenario before relying on the amount.\n  <\/div>\n\n\n  <!-- RATES -->\n\n  <div class=\"fe-rate-section\">\n\n    <div class=\"fe-rate-title\">\n      Compare fixed-interest periods\n    <\/div>\n\n\n    <div\n      class=\"fe-rate-row\"\n      data-years=\"1\"\n      data-rate=\"3.63\"\n      onclick=\"FEMortgage.selectRate(this)\"\n    >\n\n      <div class=\"fe-rate-radio\"><\/div>\n\n      <div class=\"fe-rate-name\">\n        1 year fixed - 3.63%\n\n        <span class=\"fe-rate-small\">\n          Maximum mortgage assessed at 5.00%\n        <\/span>\n      <\/div>\n\n      <div\n        class=\"fe-rate-value\"\n        data-result\n      >\n        \u20ac 0\n      <\/div>\n\n    <\/div>\n\n\n    <div\n      class=\"fe-rate-row\"\n      data-years=\"5\"\n      data-rate=\"3.74\"\n      onclick=\"FEMortgage.selectRate(this)\"\n    >\n\n      <div class=\"fe-rate-radio\"><\/div>\n\n      <div class=\"fe-rate-name\">\n        5 years fixed - 3.74%\n\n        <span class=\"fe-rate-small\">\n          Maximum mortgage assessed at 5.00%\n        <\/span>\n      <\/div>\n\n      <div\n        class=\"fe-rate-value\"\n        data-result\n      >\n        \u20ac 0\n      <\/div>\n\n    <\/div>\n\n\n    <div\n      class=\"fe-rate-row selected\"\n      data-years=\"10\"\n      data-rate=\"4.19\"\n      onclick=\"FEMortgage.selectRate(this)\"\n    >\n\n      <div class=\"fe-rate-radio\"><\/div>\n\n      <div class=\"fe-rate-name\">\n        10 years fixed - 4.19%\n      <\/div>\n\n      <div\n        class=\"fe-rate-value\"\n        data-result\n      >\n        \u20ac 0\n      <\/div>\n\n    <\/div>\n\n\n    <div\n      class=\"fe-rate-row\"\n      data-years=\"20\"\n      data-rate=\"4.17\"\n      onclick=\"FEMortgage.selectRate(this)\"\n    >\n\n      <div class=\"fe-rate-radio\"><\/div>\n\n      <div class=\"fe-rate-name\">\n        20 years fixed - 4.17%\n      <\/div>\n\n      <div\n        class=\"fe-rate-value\"\n        data-result\n      >\n        \u20ac 0\n      <\/div>\n\n    <\/div>\n\n\n    <div\n      class=\"fe-rate-row\"\n      data-years=\"30\"\n      data-rate=\"4.52\"\n      onclick=\"FEMortgage.selectRate(this)\"\n    >\n\n      <div class=\"fe-rate-radio\"><\/div>\n\n      <div class=\"fe-rate-name\">\n        30 years fixed - 4.52%\n      <\/div>\n\n      <div\n        class=\"fe-rate-value\"\n        data-result\n      >\n        \u20ac 0\n      <\/div>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- NEXT STEPS -->\n\n  <div class=\"fe-next-steps\">\n\n    <h3 class=\"fe-next-steps-title\">\n      Ready for the next step?\n    <\/h3>\n\n    <p class=\"fe-next-steps-intro\">\n      Use your estimated buying power to continue your home search\n      or strengthen your mortgage position.\n    <\/p>\n\n\n    <div class=\"fe-next-step-grid\">\n\n\n      <div class=\"fe-next-step-card\">\n\n        <div class=\"fe-next-step-icon\">\n          1\n        <\/div>\n\n        <h3>\n          View homes within your budget\n        <\/h3>\n\n        <p>\n          See Flex Estate properties that fit your estimated buying power.\n        <\/p>\n\n        <button\n          type=\"button\"\n          class=\"fe-next-step-button\"\n          onclick=\"FEMortgage.viewMatchingHomes()\"\n        >\n          View matching homes\n        <\/button>\n\n      <\/div>\n\n\n      <div class=\"fe-next-step-card\">\n\n        <div class=\"fe-next-step-icon\">\n          2\n        <\/div>\n\n        <h3>\n          Get mortgage pre-qualified\n        <\/h3>\n\n        <p>\n          Have a mortgage adviser review your situation and get a clearer\n          picture of what you can really borrow.\n        <\/p>\n\n        <button\n          type=\"button\"\n          class=\"fe-next-step-button teal\"\n          onclick=\"FEMortgage.showAdvisorForm()\"\n        >\n          Contact mortgage adviser\n        <\/button>\n\n      <\/div>\n\n\n      <div class=\"fe-next-step-card\">\n\n        <div class=\"fe-next-step-icon\">\n          3\n        <\/div>\n\n        <h3>\n          Save your buying power\n        <\/h3>\n\n        <p>\n          Keep your result so you can use it while searching for\n          properties on Flex Estate.\n        <\/p>\n\n        <button\n          type=\"button\"\n          class=\"fe-next-step-button light\"\n          onclick=\"FEMortgage.saveBuyingPower()\"\n        >\n          Save my result\n        <\/button>\n\n        <div\n          id=\"fe-save-message\"\n          class=\"fe-save-message\"\n        ><\/div>\n\n      <\/div>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- ADVISER FORM -->\n\n  <div\n    id=\"fe-advisor-form\"\n    class=\"fe-advisor-form fe-hidden\"\n  >\n\n    <h3>\n      Get mortgage pre-qualified\n    <\/h3>\n\n    <p>\n      Leave your details and a mortgage adviser can review your\n      situation with you.\n    <\/p>\n\n\n    <div class=\"fe-grid-2\">\n\n      <div>\n\n        <label>\n          Name *\n        <\/label>\n\n        <input\n          id=\"fe-advisor-name\"\n          type=\"text\"\n          placeholder=\"Your name\"\n        >\n\n      <\/div>\n\n\n      <div>\n\n        <label>\n          Email *\n        <\/label>\n\n        <input\n          id=\"fe-advisor-email\"\n          type=\"email\"\n          placeholder=\"you@email.com\"\n        >\n\n      <\/div>\n\n\n      <div>\n\n        <label>\n          Phone number\n        <\/label>\n\n        <input\n          id=\"fe-advisor-phone\"\n          type=\"tel\"\n          placeholder=\"+31\"\n        >\n\n      <\/div>\n\n\n      <div>\n\n        <label>\n          Preferred buying area\n        <\/label>\n\n        <input\n          id=\"fe-advisor-area\"\n          type=\"text\"\n          placeholder=\"For example Rotterdam\"\n        >\n\n      <\/div>\n\n    <\/div>\n\n\n    <div class=\"fe-advisor-summary\">\n\n      <span>\n        Your current estimated buying power\n      <\/span>\n\n      <strong id=\"fe-advisor-budget\">\n        \u20ac 0\n      <\/strong>\n\n    <\/div>\n\n\n    <div class=\"fe-checkbox\">\n\n      <input\n        id=\"fe-advisor-consent\"\n        type=\"checkbox\"\n      >\n\n      <span>\n        I agree that Flex Estate may share these details with its mortgage\n        adviser to contact me about mortgage pre-qualification.\n      <\/span>\n\n    <\/div>\n\n\n    <div\n      id=\"fe-advisor-error\"\n      class=\"fe-error\"\n    >\n      Please enter your name, a valid email address and provide consent.\n    <\/div>\n\n\n    <button\n      id=\"fe-advisor-submit\"\n      type=\"button\"\n      class=\"fe-next\"\n      style=\"margin-top:18px;\"\n      onclick=\"FEMortgage.submitAdvisorRequest(this)\"\n    >\n      Request pre-qualification\n    <\/button>\n\n\n    <div\n      id=\"fe-advisor-success\"\n      class=\"fe-advisor-success fe-hidden\"\n    >\n      Thank you. Your mortgage pre-qualification request has been sent.\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-disclaimer\">\n\n    This calculator provides an indicative estimate and does not constitute\n    financial advice, a mortgage offer or a credit decision.\n\n    The displayed mortgage rates are currently fixed example rates used for\n    the calculator interface and must be maintained when market rates change.\n\n    Final borrowing capacity can differ because of lender policy, accepted\n    income, tax treatment, existing loans, BKR and DUO information, pension\n    income, property value and other personal circumstances.\n\n  <\/div>\n\n\n  <div class=\"fe-nav\">\n\n    <button\n      type=\"button\"\n      class=\"fe-back\"\n      onclick=\"FEMortgage.go(4)\"\n    >\n      Edit details\n    <\/button>\n\n    <span><\/span>\n\n  <\/div>\n\n<\/section>\n\n<\/div>\n\n\n<script>\nwindow.FEMortgage = (() => {\n\n  const root =\n    document.getElementById(\n      'flex-estate-mortgage-calculator'\n    );\n\n  const get = id =>\n    document.getElementById(id);\n\n  let calculatorData = null;\n\n\n  \/* SETTINGS *\/\n\n  const NHG_LIMIT_2026 = 470000;\n  const NHG_ENERGY_LIMIT_2026 = 498200;\n\n\n  \/* TOGGLES *\/\n\n  function setupToggle(\n    containerId,\n    hiddenInputId,\n    callback\n  ){\n\n    const container =\n      get(containerId);\n\n    if(!container){\n      return;\n    }\n\n\n    container\n      .querySelectorAll('.fe-toggle')\n      .forEach(item => {\n\n        item.addEventListener(\n          'click',\n          () => {\n\n            container\n              .querySelectorAll('.fe-toggle')\n              .forEach(x => {\n\n                x.classList.remove(\n                  'selected'\n                );\n\n              });\n\n\n            item.classList.add(\n              'selected'\n            );\n\n\n            const hidden =\n              get(hiddenInputId);\n\n\n            if(hidden){\n\n              hidden.value =\n                item.dataset.value;\n\n            }\n\n\n            container.classList.remove(\n              'fe-invalid'\n            );\n\n\n            if(callback){\n\n              callback(\n                item.dataset.value\n              );\n\n            }\n\n          }\n        );\n\n      });\n\n  }\n\n\n  setupToggle(\n    'fe-self-employed-toggle',\n    'fe-self-employed',\n    value => {\n\n      const note =\n        get(\n          'fe-self-employed-note'\n        );\n\n\n      if(note){\n\n        note.classList.toggle(\n          'fe-hidden',\n          value !== 'yes'\n        );\n\n      }\n\n    }\n  );\n\n\n  setupToggle(\n    'fe-partner-self-employed-toggle',\n    'fe-partner-self-employed',\n    value => {\n\n      const note =\n        get(\n          'fe-partner-self-employed-note'\n        );\n\n\n      if(note){\n\n        note.classList.toggle(\n          'fe-hidden',\n          value !== 'yes'\n        );\n\n      }\n\n    }\n  );\n\n\n  setupToggle(\n    'fe-partner-toggle',\n    'fe-partner',\n    value => {\n\n      const fields =\n        get(\n          'fe-partner-fields'\n        );\n\n\n      if(fields){\n\n        fields.classList.toggle(\n          'fe-hidden',\n          value !== 'yes'\n        );\n\n      }\n\n    }\n  );\n\n\n  \/* VALIDATION *\/\n\n  function showError(id){\n\n    const element =\n      get(id);\n\n    if(element){\n\n      element.classList.add(\n        'show'\n      );\n\n    }\n\n  }\n\n\n  function hideError(id){\n\n    const element =\n      get(id);\n\n    if(element){\n\n      element.classList.remove(\n        'show'\n      );\n\n    }\n\n  }\n\n\n  function clearInvalid(id){\n\n    const element =\n      get(id);\n\n    if(element){\n\n      element.classList.remove(\n        'fe-invalid'\n      );\n\n    }\n\n  }\n\n\n  function validDate(\n    day,\n    month,\n    year\n  ){\n\n    day =\n      Number(day);\n\n    month =\n      Number(month);\n\n    year =\n      Number(year);\n\n\n    if(\n      !day ||\n      !month ||\n      !year\n    ){\n\n      return false;\n\n    }\n\n\n    const date =\n      new Date(\n        year,\n        month - 1,\n        day\n      );\n\n\n    return (\n\n      date.getFullYear() === year\n\n      &&\n\n      date.getMonth() ===\n      month - 1\n\n      &&\n\n      date.getDate() === day\n\n    );\n\n  }\n\n\n  function dateFromFields(\n    day,\n    month,\n    year\n  ){\n\n    if(\n      !validDate(\n        day,\n        month,\n        year\n      )\n    ){\n\n      return null;\n\n    }\n\n\n    return new Date(\n      Number(year),\n      Number(month) - 1,\n      Number(day)\n    );\n\n  }\n\n\n  function ageFromDate(date){\n\n    if(!date){\n      return null;\n    }\n\n\n    const today =\n      new Date();\n\n\n    let age =\n\n      today.getFullYear()\n\n      -\n\n      date.getFullYear();\n\n\n    const monthDifference =\n\n      today.getMonth()\n\n      -\n\n      date.getMonth();\n\n\n    if(\n      monthDifference < 0\n\n      ||\n\n      (\n        monthDifference === 0\n\n        &&\n\n        today.getDate()\n        <\n        date.getDate()\n      )\n    ){\n\n      age--;\n\n    }\n\n\n    return age;\n\n  }\n\n\n  function validEmail(email){\n\n    return \/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/\n      .test(email);\n\n  }\n\n\n  \/* STEP 1 *\/\n\n  function validateStep1(){\n\n    let valid = true;\n\n\n    const birthDate =\n\n      dateFromFields(\n\n        get('fe-day').value,\n\n        get('fe-month').value,\n\n        get('fe-year').value\n\n      );\n\n\n    const age =\n      ageFromDate(\n        birthDate\n      );\n\n\n    if(\n      !birthDate\n\n      ||\n\n      age === null\n\n      ||\n\n      age < 18\n    ){\n\n      showError(\n        'fe-dob-error'\n      );\n\n\n      get('fe-day')\n        .classList.add(\n          'fe-invalid'\n        );\n\n\n      get('fe-month')\n        .classList.add(\n          'fe-invalid'\n        );\n\n\n      get('fe-year')\n        .classList.add(\n          'fe-invalid'\n        );\n\n\n      valid = false;\n\n    } else {\n\n      hideError(\n        'fe-dob-error'\n      );\n\n\n      clearInvalid(\n        'fe-day'\n      );\n\n\n      clearInvalid(\n        'fe-month'\n      );\n\n\n      clearInvalid(\n        'fe-year'\n      );\n\n    }\n\n\n    if(\n      !get(\n        'fe-self-employed'\n      ).value\n    ){\n\n      showError(\n        'fe-self-employed-error'\n      );\n\n\n      get(\n        'fe-self-employed-toggle'\n      )\n      .classList.add(\n        'fe-invalid'\n      );\n\n\n      valid = false;\n\n    } else {\n\n      hideError(\n        'fe-self-employed-error'\n      );\n\n\n      get(\n        'fe-self-employed-toggle'\n      )\n      .classList.remove(\n        'fe-invalid'\n      );\n\n    }\n\n\n    if(\n      Number(\n        get(\n          'fe-income'\n        ).value\n      ) <= 0\n    ){\n\n      showError(\n        'fe-income-error'\n      );\n\n\n      get(\n        'fe-income'\n      )\n      .classList.add(\n        'fe-invalid'\n      );\n\n\n      valid = false;\n\n    } else {\n\n      hideError(\n        'fe-income-error'\n      );\n\n\n      clearInvalid(\n        'fe-income'\n      );\n\n    }\n\n\n    if(valid){\n\n      go(2);\n\n    }\n\n  }\n\n\n  \/* STEP 2 *\/\n\n  function validateStep2(){\n\n    if(\n      get(\n        'fe-partner'\n      ).value !== 'yes'\n    ){\n\n      go(3);\n\n      return;\n\n    }\n\n\n    let valid = true;\n\n\n    const birthDate =\n\n      dateFromFields(\n\n        get(\n          'fe-partner-day'\n        ).value,\n\n        get(\n          'fe-partner-month'\n        ).value,\n\n        get(\n          'fe-partner-year'\n        ).value\n\n      );\n\n\n    const age =\n      ageFromDate(\n        birthDate\n      );\n\n\n    if(\n      !birthDate\n\n      ||\n\n      age === null\n\n      ||\n\n      age < 18\n    ){\n\n      showError(\n        'fe-partner-dob-error'\n      );\n\n\n      get(\n        'fe-partner-day'\n      )\n      .classList.add(\n        'fe-invalid'\n      );\n\n\n      get(\n        'fe-partner-month'\n      )\n      .classList.add(\n        'fe-invalid'\n      );\n\n\n      get(\n        'fe-partner-year'\n      )\n      .classList.add(\n        'fe-invalid'\n      );\n\n\n      valid = false;\n\n    } else {\n\n      hideError(\n        'fe-partner-dob-error'\n      );\n\n\n      clearInvalid(\n        'fe-partner-day'\n      );\n\n\n      clearInvalid(\n        'fe-partner-month'\n      );\n\n\n      clearInvalid(\n        'fe-partner-year'\n      );\n\n    }\n\n\n    if(\n      !get(\n        'fe-partner-self-employed'\n      ).value\n    ){\n\n      showError(\n        'fe-partner-self-employed-error'\n      );\n\n\n      get(\n        'fe-partner-self-employed-toggle'\n      )\n      .classList.add(\n        'fe-invalid'\n      );\n\n\n      valid = false;\n\n    } else {\n\n      hideError(\n        'fe-partner-self-employed-error'\n      );\n\n\n      get(\n        'fe-partner-self-employed-toggle'\n      )\n      .classList.remove(\n        'fe-invalid'\n      );\n\n    }\n\n\n    if(\n      Number(\n        get(\n          'fe-partner-income'\n        ).value\n      ) <= 0\n    ){\n\n      showError(\n        'fe-partner-income-error'\n      );\n\n\n      get(\n        'fe-partner-income'\n      )\n      .classList.add(\n        'fe-invalid'\n      );\n\n\n      valid = false;\n\n    } else {\n\n      hideError(\n        'fe-partner-income-error'\n      );\n\n\n      clearInvalid(\n        'fe-partner-income'\n      );\n\n    }\n\n\n    if(valid){\n\n      go(3);\n\n    }\n\n  }\n\n\n  \/* NAVIGATION *\/\n\n  function go(step){\n\n    root\n      .querySelectorAll(\n        '.fe-step'\n      )\n      .forEach(section => {\n\n        section.classList.remove(\n          'active'\n        );\n\n      });\n\n\n    const section =\n\n      root.querySelector(\n        '.fe-step[data-step=\"' +\n        step +\n        '\"]'\n      );\n\n\n    if(section){\n\n      section.classList.add(\n        'active'\n      );\n\n    }\n\n\n    root\n      .querySelectorAll(\n        '.fe-step-dot'\n      )\n      .forEach(dot => {\n\n        const number =\n          Number(\n            dot.dataset.dot\n          );\n\n\n        dot.classList.toggle(\n          'active',\n          number === step\n        );\n\n\n        dot.classList.toggle(\n          'done',\n          number < step\n        );\n\n\n        dot.textContent =\n\n          number < step\n\n          ? 'OK'\n\n          : number;\n\n      });\n\n\n    root\n      .querySelectorAll(\n        '.fe-step-line'\n      )\n      .forEach(line => {\n\n        line.classList.toggle(\n          'done',\n          Number(\n            line.dataset.line\n          ) < step\n        );\n\n      });\n\n\n    root.scrollIntoView({\n      behavior:'smooth',\n      block:'start'\n    });\n\n  }\n\n\n  \/* INCOME *\/\n\n  function annualIncome(\n    value,\n    period,\n    holidayAllowance,\n    thirteenthMonth\n  ){\n\n    const amount =\n      Number(\n        value || 0\n      );\n\n\n    let yearlyIncome =\n\n      period === 'month'\n\n      ? amount * 12\n\n      : amount;\n\n\n    const monthlyIncome =\n\n      period === 'month'\n\n      ? amount\n\n      : amount \/ 12;\n\n\n    if(holidayAllowance){\n\n      yearlyIncome +=\n        yearlyIncome * 0.08;\n\n    }\n\n\n    if(thirteenthMonth){\n\n      yearlyIncome +=\n        monthlyIncome;\n\n    }\n\n\n    return yearlyIncome;\n\n  }\n\n\n  \/* ENERGY *\/\n\n  function purchaseEnergyExtra(label){\n\n    const values = {\n\n      'G':0,\n      'F':0,\n      'E':0,\n\n      'D':5000,\n      'C':5000,\n\n      'B':10000,\n      'A':10000,\n\n      'A+':20000,\n      'A++':20000,\n\n      'A+++':25000,\n\n      'A++++':30000\n\n    };\n\n\n    return values[label] || 0;\n\n  }\n\n\n  function renovationEnergyExtra(label){\n\n    const values = {\n\n      'G':20000,\n      'F':20000,\n      'E':20000,\n\n      'D':15000,\n      'C':15000,\n\n      'B':10000,\n      'A':10000,\n\n      'A+':10000,\n      'A++':10000,\n\n      'A+++':0,\n      'A++++':0\n\n    };\n\n\n    return values[label] || 0;\n\n  }\n\n\n  \/* 2026 FINANCING TABLE *\/\n\n  const TABLE_2026 = {\n\n    30000:[.201,.209,.216],\n    31000:[.212,.220,.227],\n    32000:[.221,.230,.238],\n\n    33000:[.226,.236,.246],\n    34000:[.226,.236,.246],\n    35000:[.226,.236,.246],\n    36000:[.226,.236,.246],\n    37000:[.226,.236,.246],\n    38000:[.226,.236,.246],\n    39000:[.226,.236,.246],\n    40000:[.226,.236,.246],\n    41000:[.226,.236,.246],\n    42000:[.226,.236,.246],\n    43000:[.226,.236,.246],\n    44000:[.226,.236,.246],\n    45000:[.226,.236,.246],\n    46000:[.226,.236,.246],\n    47000:[.226,.236,.246],\n    48000:[.226,.236,.246],\n    49000:[.226,.236,.246],\n    50000:[.226,.236,.246],\n    51000:[.226,.236,.246],\n    52000:[.226,.236,.246],\n    53000:[.226,.236,.246],\n    54000:[.226,.236,.246],\n    55000:[.226,.236,.246],\n    56000:[.226,.236,.246],\n    57000:[.226,.236,.246],\n    58000:[.226,.236,.246],\n    59000:[.226,.236,.246],\n    60000:[.226,.236,.246],\n    61000:[.226,.236,.246],\n\n    62000:[.227,.236,.246],\n    63000:[.227,.237,.246],\n    64000:[.228,.237,.246],\n    65000:[.229,.238,.247],\n    66000:[.230,.239,.247],\n    67000:[.231,.240,.248],\n    68000:[.232,.241,.250],\n    69000:[.234,.243,.251],\n    70000:[.236,.245,.253],\n\n    71000:[.238,.247,.256],\n    72000:[.241,.250,.258],\n    73000:[.243,.252,.260],\n    74000:[.245,.254,.263],\n    75000:[.246,.256,.264],\n    76000:[.248,.257,.266],\n    77000:[.249,.259,.268],\n    78000:[.251,.261,.270],\n    79000:[.252,.262,.271],\n    80000:[.253,.263,.272],\n\n    81000:[.254,.264,.273],\n    82000:[.254,.264,.273],\n    83000:[.254,.264,.274],\n    84000:[.255,.265,.274],\n    85000:[.255,.265,.274],\n    86000:[.256,.265,.274],\n    87000:[.256,.266,.275],\n    88000:[.256,.266,.275],\n    89000:[.257,.266,.276],\n    90000:[.257,.267,.276],\n\n    91000:[.258,.267,.276],\n    92000:[.258,.268,.277],\n    93000:[.258,.268,.277],\n    94000:[.259,.269,.278],\n    95000:[.259,.269,.278],\n    96000:[.260,.269,.279],\n    97000:[.260,.270,.279],\n    98000:[.261,.270,.279],\n    99000:[.261,.271,.280],\n    100000:[.261,.271,.280],\n\n    101000:[.262,.271,.280],\n    102000:[.263,.271,.281],\n    103000:[.263,.272,.281],\n    104000:[.264,.273,.281],\n    105000:[.265,.273,.282],\n    106000:[.265,.274,.282],\n    107000:[.266,.275,.283],\n    108000:[.267,.275,.284],\n    109000:[.267,.276,.284],\n    110000:[.267,.277,.285],\n\n    111000:[.268,.277,.285],\n    112000:[.268,.277,.286],\n    113000:[.269,.278,.287],\n    114000:[.269,.278,.287],\n    115000:[.269,.279,.287],\n    116000:[.270,.279,.288],\n    117000:[.270,.280,.288],\n    118000:[.271,.280,.289],\n    119000:[.271,.280,.289],\n    120000:[.272,.281,.289],\n\n    121000:[.272,.281,.290],\n    122000:[.273,.282,.290],\n    123000:[.273,.282,.291],\n    124000:[.274,.283,.291],\n    125000:[.274,.283,.292]\n\n  };\n\n\n  function statutoryIncomeRow(income){\n\n    let row =\n\n      Math.floor(\n        Number(income) \/ 1000\n      )\n\n      *\n\n      1000;\n\n\n    if(row < 30000){\n\n      row = 30000;\n\n    }\n\n\n    if(row > 125000){\n\n      row = 125000;\n\n    }\n\n\n    return row;\n\n  }\n\n\n  function interestBand(rate){\n\n    if(rate <= 4.00){\n\n      return 0;\n\n    }\n\n\n    if(rate <= 4.50){\n\n      return 1;\n\n    }\n\n\n    return 2;\n\n  }\n\n\n  function officialFinancingLoad(\n    income,\n    assessmentRate\n  ){\n\n    const incomeRow =\n\n      statutoryIncomeRow(\n        income\n      );\n\n\n    const row =\n\n      TABLE_2026[\n        incomeRow\n      ];\n\n\n    return row[\n      interestBand(\n        assessmentRate\n      )\n    ];\n\n  }\n\n\n  \/* ASSESSMENT RATE *\/\n\n  function assessmentRateForPeriod(\n    fixedYears,\n    offeredRate\n  ){\n\n    if(\n      Number(fixedYears) < 10\n    ){\n\n      return Math.max(\n        5.00,\n        Number(offeredRate)\n      );\n\n    }\n\n\n    return Number(\n      offeredRate\n    );\n\n  }\n\n\n  \/* ANNUITY *\/\n\n  function loanFromMonthlyPayment(\n    payment,\n    yearlyRate,\n    years = 30\n  ){\n\n    const monthlyRate =\n      yearlyRate \/ 12;\n\n\n    const months =\n      years * 12;\n\n\n    if(\n      payment <= 0\n      ||\n      monthlyRate <= 0\n    ){\n\n      return 0;\n\n    }\n\n\n    return (\n\n      payment\n\n      *\n\n      (\n        1 -\n\n        Math.pow(\n          1 + monthlyRate,\n          -months\n        )\n      )\n\n      \/\n\n      monthlyRate\n\n    );\n\n  }\n\n\n  function monthlyMortgagePayment(\n    loan,\n    yearlyRate,\n    years = 30\n  ){\n\n    const monthlyRate =\n      yearlyRate \/ 12;\n\n\n    const months =\n      years * 12;\n\n\n    if(\n      loan <= 0\n      ||\n      monthlyRate <= 0\n    ){\n\n      return 0;\n\n    }\n\n\n    return (\n\n      loan\n\n      *\n\n      monthlyRate\n\n      \/\n\n      (\n        1 -\n\n        Math.pow(\n          1 + monthlyRate,\n          -months\n        )\n      )\n\n    );\n\n  }\n\n\n  function formatEUR(\n    value,\n    decimals = 0\n  ){\n\n    return (\n\n      '\u20ac ' +\n\n      new Intl.NumberFormat(\n        'en-NL',\n        {\n          minimumFractionDigits:decimals,\n          maximumFractionDigits:decimals\n        }\n      )\n      .format(\n        Number(value || 0)\n      )\n\n    );\n\n  }\n\n\n  \/* SCENARIO *\/\n\n  function calculateScenario(\n    offeredRatePercent,\n    fixedYears\n  ){\n\n    const assessmentRatePercent =\n\n      assessmentRateForPeriod(\n        fixedYears,\n        offeredRatePercent\n      );\n\n\n    const financingLoad =\n\n      officialFinancingLoad(\n        calculatorData.totalIncome,\n        assessmentRatePercent\n      );\n\n\n    const annualHousingBudget =\n\n      calculatorData.totalIncome\n\n      *\n\n      financingLoad;\n\n\n    const annualCommitments =\n\n      calculatorData.monthlyCommitments\n\n      *\n\n      12;\n\n\n    const allowedAnnualMortgageCost =\n\n      Math.max(\n\n        0,\n\n        annualHousingBudget\n\n        -\n\n        annualCommitments\n\n      );\n\n\n    const monthlyAssessmentBudget =\n\n      allowedAnnualMortgageCost\n\n      \/\n\n      12;\n\n\n    let maximumMortgage =\n\n      loanFromMonthlyPayment(\n\n        monthlyAssessmentBudget,\n\n        assessmentRatePercent \/ 100,\n\n        30\n\n      );\n\n\n    if(\n      calculatorData.singleApplicant\n      &&\n      calculatorData.totalIncome > 30000\n    ){\n\n      maximumMortgage +=\n        17000;\n\n    }\n\n\n    maximumMortgage +=\n\n      purchaseEnergyExtra(\n        calculatorData.energyLabel\n      );\n\n\n    maximumMortgage =\n\n      Math.max(\n        0,\n        maximumMortgage\n      );\n\n\n    const offeredRate =\n\n      offeredRatePercent \/ 100;\n\n\n    const grossMonthly =\n\n      monthlyMortgagePayment(\n\n        maximumMortgage,\n\n        offeredRate,\n\n        30\n\n      );\n\n\n    const estimatedInterest =\n\n      maximumMortgage\n\n      *\n\n      offeredRate\n\n      \/\n\n      12;\n\n\n    const estimatedNetMonthly =\n\n      Math.max(\n\n        0,\n\n        grossMonthly\n\n        -\n\n        (\n          estimatedInterest\n          *\n          0.3582\n          *\n          0.85\n        )\n\n      );\n\n\n    return {\n\n      offeredRatePercent,\n\n      fixedYears,\n\n      assessmentRatePercent,\n\n      financingLoad,\n\n      maximumMortgage,\n\n      grossMonthly,\n\n      estimatedNetMonthly,\n\n      purchaseBudget:\n\n        maximumMortgage\n\n        +\n\n        calculatorData.ownFunds\n\n    };\n\n  }\n\n\n  \/* RESULT UI *\/\n\n  function updateNHGStatus(\n    scenario\n  ){\n\n    const element =\n      get(\n        'fe-nhg-status'\n      );\n\n\n    if(!element){\n\n      return;\n\n    }\n\n\n    const mortgage =\n      scenario.maximumMortgage;\n\n\n    if(\n      mortgage <=\n      NHG_LIMIT_2026\n    ){\n\n      element.textContent =\n        'Within \u20ac470,000 limit';\n\n    }\n\n    else if(\n      mortgage <=\n      NHG_ENERGY_LIMIT_2026\n    ){\n\n      element.textContent =\n        'Potentially with qualifying energy measures';\n\n    }\n\n    else {\n\n      element.textContent =\n        'Above 2026 NHG limit';\n\n    }\n\n  }\n\n\n  function updateMainResult(\n    scenario\n  ){\n\n    get(\n      'fe-max-mortgage'\n    ).textContent =\n\n      formatEUR(\n        scenario.maximumMortgage\n      );\n\n\n    get(\n      'fe-purchase-budget'\n    ).textContent =\n\n      formatEUR(\n        scenario.purchaseBudget\n      );\n\n\n    get(\n      'fe-gross-monthly'\n    ).textContent =\n\n      formatEUR(\n        scenario.grossMonthly\n      );\n\n\n    get(\n      'fe-net-monthly'\n    ).textContent =\n\n      formatEUR(\n        scenario.estimatedNetMonthly\n      );\n\n\n    get(\n      'fe-gross-inline'\n    ).textContent =\n\n      formatEUR(\n        scenario.grossMonthly\n      );\n\n\n    get(\n      'fe-net-inline'\n    ).textContent =\n\n      formatEUR(\n        scenario.estimatedNetMonthly\n      );\n\n\n    get(\n      'fe-selected-rate'\n    ).textContent =\n\n      scenario.offeredRatePercent\n      .toFixed(2)\n\n      +\n\n      '%';\n\n\n    updateNHGStatus(\n      scenario\n    );\n\n  }\n\n\n  \/* CALCULATE *\/\n\n  function calculate(){\n\n    const mainBirthDate =\n\n      dateFromFields(\n\n        get(\n          'fe-day'\n        ).value,\n\n        get(\n          'fe-month'\n        ).value,\n\n        get(\n          'fe-year'\n        ).value\n\n      );\n\n\n    const mainAge =\n\n      ageFromDate(\n        mainBirthDate\n      );\n\n\n    const mainIncome =\n\n      annualIncome(\n\n        get(\n          'fe-income'\n        ).value,\n\n        get(\n          'fe-income-period'\n        ).value,\n\n        get(\n          'fe-holiday'\n        ).checked,\n\n        get(\n          'fe-thirteenth'\n        ).checked\n\n      );\n\n\n    const hasPartner =\n\n      get(\n        'fe-partner'\n      ).value === 'yes';\n\n\n    let partnerIncome = 0;\n\n    let partnerAge = null;\n\n\n    if(hasPartner){\n\n      partnerIncome =\n\n        annualIncome(\n\n          get(\n            'fe-partner-income'\n          ).value,\n\n          get(\n            'fe-partner-income-period'\n          ).value,\n\n          get(\n            'fe-partner-holiday'\n          ).checked,\n\n          get(\n            'fe-partner-thirteenth'\n          ).checked\n\n        );\n\n\n      const partnerBirthDate =\n\n        dateFromFields(\n\n          get(\n            'fe-partner-day'\n          ).value,\n\n          get(\n            'fe-partner-month'\n          ).value,\n\n          get(\n            'fe-partner-year'\n          ).value\n\n        );\n\n\n      partnerAge =\n\n        ageFromDate(\n          partnerBirthDate\n        );\n\n    }\n\n\n    const totalIncome =\n\n      mainIncome\n\n      +\n\n      partnerIncome;\n\n\n    const monthlyCommitments =\n\n      Number(\n        get(\n          'fe-credit'\n        ).value || 0\n      )\n\n      +\n\n      Number(\n        get(\n          'fe-alimony'\n        ).value || 0\n      )\n\n      +\n\n      Number(\n        get(\n          'fe-private-lease'\n        ).value || 0\n      )\n\n      +\n\n      (\n        Number(\n          get(\n            'fe-ground-lease'\n          ).value || 0\n        )\n        \/\n        12\n      )\n\n      +\n\n      (\n        Number(\n          get(\n            'fe-duo'\n          ).value || 0\n        )\n        *\n        1.25\n      );\n\n\n    calculatorData = {\n\n      mainIncome,\n\n      partnerIncome,\n\n      totalIncome,\n\n      mainAge,\n\n      partnerAge,\n\n      singleApplicant:\n        !hasPartner,\n\n      monthlyCommitments,\n\n      energyLabel:\n        get(\n          'fe-energy-label'\n        ).value,\n\n      ownFunds:\n        Number(\n          get(\n            'fe-own-funds'\n          ).value || 0\n        )\n\n    };\n\n\n    get(\n      'fe-annual-income'\n    ).textContent =\n\n      formatEUR(\n        totalIncome\n      );\n\n\n    get(\n      'fe-energy-label-result'\n    ).textContent =\n\n      calculatorData.energyLabel;\n\n\n    get(\n      'fe-result-energy-label'\n    ).textContent =\n\n      calculatorData.energyLabel;\n\n\n    get(\n      'fe-label-extra'\n    ).textContent =\n\n      formatEUR(\n\n        purchaseEnergyExtra(\n          calculatorData.energyLabel\n        )\n\n      );\n\n\n    get(\n      'fe-renovation-extra'\n    ).textContent =\n\n      formatEUR(\n\n        renovationEnergyExtra(\n          calculatorData.energyLabel\n        )\n\n      );\n\n\n    const pensionRelevant =\n\n      (\n        mainAge !== null\n        &&\n        mainAge >= 57\n      )\n\n      ||\n\n      (\n        partnerAge !== null\n        &&\n        partnerAge >= 57\n      );\n\n\n    get(\n      'fe-senior-note'\n    )\n    .classList.toggle(\n      'fe-hidden',\n      !pensionRelevant\n    );\n\n\n    root\n      .querySelectorAll(\n        '.fe-rate-row'\n      )\n      .forEach(row => {\n\n        const offeredRate =\n\n          Number(\n            row.dataset.rate\n          );\n\n\n        const fixedYears =\n\n          Number(\n            row.dataset.years\n          );\n\n\n        const scenario =\n\n          calculateScenario(\n\n            offeredRate,\n\n            fixedYears\n\n          );\n\n\n        const output =\n\n          row.querySelector(\n            '[data-result]'\n          );\n\n\n        if(output){\n\n          output.textContent =\n\n            formatEUR(\n              scenario.maximumMortgage\n            );\n\n        }\n\n      });\n\n\n    const defaultScenario =\n\n      calculateScenario(\n        4.19,\n        10\n      );\n\n\n    root\n      .querySelectorAll(\n        '.fe-rate-row'\n      )\n      .forEach(row => {\n\n        row.classList.toggle(\n\n          'selected',\n\n          Number(\n            row.dataset.years\n          ) === 10\n\n        );\n\n      });\n\n\n    updateMainResult(\n      defaultScenario\n    );\n\n\n    go(5);\n\n  }\n\n\n  \/* SELECT RATE *\/\n\n  function selectRate(row){\n\n    if(!calculatorData){\n\n      return;\n\n    }\n\n\n    root\n      .querySelectorAll(\n        '.fe-rate-row'\n      )\n      .forEach(x => {\n\n        x.classList.remove(\n          'selected'\n        );\n\n      });\n\n\n    row.classList.add(\n      'selected'\n    );\n\n\n    const scenario =\n\n      calculateScenario(\n\n        Number(\n          row.dataset.rate\n        ),\n\n        Number(\n          row.dataset.years\n        )\n\n      );\n\n\n    updateMainResult(\n      scenario\n    );\n\n  }\n\n\n  function getCurrentScenario(){\n\n    const row =\n\n      root.querySelector(\n        '.fe-rate-row.selected'\n      );\n\n\n    if(!row){\n\n      return calculateScenario(\n        4.19,\n        10\n      );\n\n    }\n\n\n    return calculateScenario(\n\n      Number(\n        row.dataset.rate\n      ),\n\n      Number(\n        row.dataset.years\n      )\n\n    );\n\n  }\n\n\n  \/* MATCHING HOMES *\/\n\n  function viewMatchingHomes(){\n\n    if(!calculatorData){\n\n      return;\n\n    }\n\n\n    const scenario =\n\n      getCurrentScenario();\n\n\n    const maximumPrice =\n\n      Math.round(\n        scenario.purchaseBudget\n      );\n\n\n    const isDutch =\n\n      window.location.pathname\n      .startsWith(\n        '\/nl\/'\n      );\n\n\n    const searchPage =\n\n      isDutch\n\n      ? '\/nl\/search-results\/'\n\n      : '\/search-results\/';\n\n\n    const params =\n\n      new URLSearchParams();\n\n\n    params.set(\n      'listing_page_id',\n      '2317'\n    );\n\n\n    params.append(\n      'status[]',\n      'for-sale'\n    );\n\n\n    params.set(\n      'min-price',\n      '1'\n    );\n\n\n    params.set(\n      'max-price',\n      String(\n        maximumPrice\n      )\n    );\n\n\n    window.location.href =\n\n      searchPage\n\n      +\n\n      '?'\n\n      +\n\n      params.toString();\n\n  }\n\n\n  \/* SHOW ADVISER *\/\n\n  function showAdvisorForm(){\n\n    if(!calculatorData){\n\n      return;\n\n    }\n\n\n    const form =\n\n      get(\n        'fe-advisor-form'\n      );\n\n\n    if(!form){\n\n      return;\n\n    }\n\n\n    form.classList.remove(\n      'fe-hidden'\n    );\n\n\n    const scenario =\n\n      getCurrentScenario();\n\n\n    get(\n      'fe-advisor-budget'\n    ).textContent =\n\n      formatEUR(\n        scenario.purchaseBudget\n      );\n\n\n    form.scrollIntoView({\n      behavior:'smooth',\n      block:'center'\n    });\n\n  }\n\n\n  \/* SAVE RESULT *\/\n\n  function saveBuyingPower(){\n\n    if(!calculatorData){\n\n      return;\n\n    }\n\n\n    const scenario =\n\n      getCurrentScenario();\n\n\n    const result = {\n\n      annualIncome:\n        calculatorData.totalIncome,\n\n      maximumMortgage:\n        scenario.maximumMortgage,\n\n      purchaseBudget:\n        scenario.purchaseBudget,\n\n      offeredInterestRate:\n        scenario.offeredRatePercent,\n\n      assessmentRate:\n        scenario.assessmentRatePercent,\n\n      financingLoad:\n        scenario.financingLoad,\n\n      fixedYears:\n        scenario.fixedYears,\n\n      energyLabel:\n        calculatorData.energyLabel,\n\n      savedAt:\n        new Date().toISOString()\n\n    };\n\n\n    localStorage.setItem(\n\n      'flexEstateBuyingPower',\n\n      JSON.stringify(\n        result\n      )\n\n    );\n\n\n    get(\n      'fe-save-message'\n    ).textContent =\n\n      'Your buying power has been saved on this device.';\n\n  }\n\n\n  \/* ADVISER SUBMISSION *\/\n\n  async function submitAdvisorRequest(button){\n\n    if(!calculatorData){\n\n      return;\n\n    }\n\n\n    const name =\n\n      get(\n        'fe-advisor-name'\n      )\n      .value\n      .trim();\n\n\n    const email =\n\n      get(\n        'fe-advisor-email'\n      )\n      .value\n      .trim();\n\n\n    const phone =\n\n      get(\n        'fe-advisor-phone'\n      )\n      .value\n      .trim();\n\n\n    const preferredArea =\n\n      get(\n        'fe-advisor-area'\n      )\n      .value\n      .trim();\n\n\n    const consent =\n\n      get(\n        'fe-advisor-consent'\n      )\n      .checked;\n\n\n    const errorBox =\n\n      get(\n        'fe-advisor-error'\n      );\n\n\n    const successBox =\n\n      get(\n        'fe-advisor-success'\n      );\n\n\n    if(\n      !name\n\n      ||\n\n      !validEmail(email)\n\n      ||\n\n      !consent\n    ){\n\n      errorBox.textContent =\n\n        'Please enter your name, a valid email address and provide consent.';\n\n\n      errorBox.classList.add(\n        'show'\n      );\n\n\n      return;\n\n    }\n\n\n    errorBox.classList.remove(\n      'show'\n    );\n\n\n    successBox.classList.add(\n      'fe-hidden'\n    );\n\n\n    const scenario =\n\n      getCurrentScenario();\n\n\n    const payload = {\n\n      name:name,\n\n      email:email,\n\n      phone:phone,\n\n      preferredArea:\n        preferredArea,\n\n      consent:true,\n\n      annualIncome:\n        calculatorData.totalIncome,\n\n      maximumMortgage:\n        scenario.maximumMortgage,\n\n      purchaseBudget:\n        scenario.purchaseBudget,\n\n      fixedYears:\n        scenario.fixedYears,\n\n      interestRate:\n        scenario.offeredRatePercent,\n\n      energyLabel:\n        calculatorData.energyLabel,\n\n      pageUrl:\n        window.location.href\n\n    };\n\n\n    const originalText =\n\n      button\n      ? button.textContent\n      : 'Request pre-qualification';\n\n\n    if(button){\n\n      button.disabled = true;\n\n      button.textContent =\n        'Sending...';\n\n    }\n\n\n    try{\n\n\n      const response =\n\n        await fetch(\n\n          '\/wp-json\/flex-estate\/v1\/mortgage-lead',\n\n          {\n\n            method:'POST',\n\n            headers:{\n              'Content-Type':\n                'application\/json'\n            },\n\n            body:\n              JSON.stringify(\n                payload\n              )\n\n          }\n\n        );\n\n\n      let result = {};\n\n\n      try{\n\n        result =\n          await response.json();\n\n      }catch(parseError){\n\n        result = {};\n\n      }\n\n\n      if(!response.ok){\n\n        throw new Error(\n\n          result.message\n\n          ||\n\n          'Unable to send request. Please try again.'\n\n        );\n\n      }\n\n\n      successBox.textContent =\n\n        result.message\n\n        ||\n\n        'Thank you. Your mortgage pre-qualification request has been sent.';\n\n\n      successBox.classList.remove(\n        'fe-hidden'\n      );\n\n\n      if(button){\n\n        button.textContent =\n          'Request sent';\n\n      }\n\n\n    }catch(error){\n\n\n      errorBox.textContent =\n\n        error.message\n\n        ||\n\n        'Something went wrong. Please try again.';\n\n\n      errorBox.classList.add(\n        'show'\n      );\n\n\n      if(button){\n\n        button.disabled = false;\n\n        button.textContent =\n          originalText;\n\n      }\n\n    }\n\n  }\n\n\n  \/* PUBLIC FUNCTIONS *\/\n\n  return {\n\n    go,\n\n    validateStep1,\n\n    validateStep2,\n\n    calculate,\n\n    selectRate,\n\n    viewMatchingHomes,\n\n    showAdvisorForm,\n\n    saveBuyingPower,\n\n    submitAdvisorRequest\n\n  };\n\n})();\n<\/script>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-590a4db e-flex e-con-boxed e-con e-parent\" data-id=\"590a4db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca39927 elementor-widget elementor-widget-html\" data-id=\"ca39927\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"fe-buyer-journey\">\n  <style>\n    .fe-buyer-journey{\n      max-width:1120px;\n      margin:72px auto 0;\n      padding:0 24px;\n      font-family:Poppins,Arial,sans-serif;\n      color:#1F2A3D;\n    }\n\n    .fe-buyer-journey .fe-eyebrow{\n      margin-bottom:10px;\n      color:#16BFBF;\n      font-size:13px;\n      font-weight:800;\n      letter-spacing:.08em;\n      text-transform:uppercase;\n    }\n\n    .fe-buyer-journey h2{\n      max-width:820px;\n      margin:0 0 16px;\n      color:#001C51;\n      font-size:38px;\n      line-height:1.2;\n      font-weight:800;\n    }\n\n    .fe-buyer-journey .fe-intro{\n      max-width:880px;\n      margin:0 0 36px;\n      color:#667286;\n      font-size:16px;\n      line-height:1.8;\n    }\n\n    .fe-journey-grid{\n      display:grid;\n      grid-template-columns:repeat(4,1fr);\n      gap:16px;\n      align-items:stretch;\n    }\n\n    .fe-journey-card{\n      display:flex;\n      flex-direction:column;\n      height:100%;\n      padding:24px 20px 22px;\n      border:1px solid #DCE3ED;\n      border-radius:18px;\n      background:#fff;\n      box-shadow:0 8px 24px rgba(0,28,81,.05);\n    }\n\n    .fe-journey-number{\n      width:38px;\n      height:38px;\n      flex:0 0 38px;\n      display:flex;\n      align-items:center;\n      justify-content:center;\n      margin-bottom:16px;\n      border-radius:50%;\n      background:#001C51;\n      color:#fff;\n      font-size:14px;\n      font-weight:800;\n    }\n\n    .fe-journey-card h3{\n      margin:0 0 9px;\n      color:#001C51;\n      font-size:17px;\n      line-height:1.35;\n    }\n\n    .fe-journey-card p{\n      margin:0;\n      color:#6F7B8D;\n      font-size:13px;\n      line-height:1.65;\n    }\n\n    .fe-journey-actions{\n      display:grid;\n      grid-template-columns:1.15fr .85fr;\n      gap:16px;\n      margin-top:26px;\n    }\n\n    .fe-journey-main-cta,\n    .fe-journey-side-cta{\n      display:flex;\n      flex-direction:column;\n      justify-content:space-between;\n      border-radius:18px;\n      padding:24px;\n    }\n\n    .fe-journey-main-cta{\n      background:#001C51;\n      color:#fff;\n    }\n\n    .fe-journey-side-cta{\n      border:1px solid #DCE3ED;\n      background:#F7F9FC;\n    }\n\n    .fe-journey-main-cta h3,\n    .fe-journey-side-cta h3{\n      margin:0 0 8px;\n      font-size:20px;\n      line-height:1.35;\n    }\n\n    .fe-journey-main-cta h3{\n      color:#fff;\n    }\n\n    .fe-journey-side-cta h3{\n      color:#001C51;\n    }\n\n    .fe-journey-main-cta p{\n      margin:0 0 18px;\n      color:#DCE6F3;\n      font-size:13px;\n      line-height:1.65;\n    }\n\n    .fe-journey-side-cta p{\n      margin:0 0 18px;\n      color:#6F7B8D;\n      font-size:13px;\n      line-height:1.65;\n    }\n\n    .fe-journey-buttons{\n      display:flex;\n      flex-wrap:wrap;\n      gap:10px;\n    }\n\n    .fe-journey-button{\n      display:inline-flex;\n      align-items:center;\n      justify-content:center;\n      min-height:44px;\n      padding:11px 18px;\n      border-radius:999px;\n      text-decoration:none;\n      font-size:13px;\n      font-weight:700;\n      transition:.2s ease;\n    }\n\n    .fe-journey-button.primary{\n      background:#16BFBF;\n      color:#00314A;\n    }\n\n    .fe-journey-button.secondary{\n      background:#fff;\n      color:#001C51;\n    }\n\n    .fe-journey-button.light{\n      background:#001C51;\n      color:#fff;\n    }\n\n    .fe-journey-button:hover{\n      transform:translateY(-1px);\n    }\n\n    .fe-journey-note{\n      margin-top:18px;\n      color:#748095;\n      font-size:12px;\n      line-height:1.6;\n    }\n\n    @media(max-width:900px){\n      .fe-journey-grid{\n        grid-template-columns:1fr 1fr;\n      }\n\n      .fe-journey-actions{\n        grid-template-columns:1fr;\n      }\n    }\n\n    @media(max-width:600px){\n      .fe-buyer-journey{\n        margin-top:52px;\n        padding:0 18px;\n      }\n\n      .fe-buyer-journey h2{\n        font-size:30px;\n      }\n\n      .fe-journey-grid{\n        grid-template-columns:1fr;\n      }\n\n      .fe-journey-buttons{\n        flex-direction:column;\n      }\n\n      .fe-journey-button{\n        width:100%;\n      }\n    }\n  <\/style>\n\n\n  <div class=\"fe-eyebrow\">\n    Your next step\n  <\/div>\n\n  <h2>\n    Your mortgage result is the start of your buying journey\n  <\/h2>\n\n  <p class=\"fe-intro\">\n    Knowing what you may be able to borrow is only the beginning.\n    Flex Estate helps you move from an estimated budget to a clearer\n    buying position, suitable homes, stronger financing preparation\n    and ultimately a more confident offer.\n  <\/p>\n\n\n  <div class=\"fe-journey-grid\">\n\n\n    <div class=\"fe-journey-card\">\n\n      <div class=\"fe-journey-number\">1<\/div>\n\n      <h3>\n        Know your buying power\n      <\/h3>\n\n      <p>\n        Understand the price range that may be realistic for your\n        situation before spending time viewing homes outside your budget.\n      <\/p>\n\n    <\/div>\n\n\n    <div class=\"fe-journey-card\">\n\n      <div class=\"fe-journey-number\">2<\/div>\n\n      <h3>\n        Search within your budget\n      <\/h3>\n\n      <p>\n        Use your result to focus on available Flex Estate homes that\n        match your estimated buying range instead of searching blindly.\n      <\/p>\n\n    <\/div>\n\n\n    <div class=\"fe-journey-card\">\n\n      <div class=\"fe-journey-number\">3<\/div>\n\n      <h3>\n        Strengthen your financing position\n      <\/h3>\n\n      <p>\n        Get pre-qualified by a mortgage adviser. When you find a home,\n        the adviser can prepare a property-specific statement to support\n        your offer.\n      <\/p>\n\n    <\/div>\n\n\n    <div class=\"fe-journey-card\">\n\n      <div class=\"fe-journey-number\">4<\/div>\n\n      <h3>\n        View and bid with more confidence\n      <\/h3>\n\n      <p>\n        Continue toward viewing, direct contact and transparent bidding\n        with a clearer understanding of your financial position.\n      <\/p>\n\n    <\/div>\n\n\n  <\/div>\n\n\n  <div class=\"fe-journey-actions\">\n\n\n    <div class=\"fe-journey-main-cta\">\n\n      <div>\n\n        <h3>\n          Found your price range? Start looking at homes.\n        <\/h3>\n\n        <p>\n          Explore properties that make sense for your estimated budget\n          and continue your buying journey on Flex Estate.\n        <\/p>\n\n      <\/div>\n\n\n      <div class=\"fe-journey-buttons\">\n\n        <a\n          class=\"fe-journey-button primary\"\n          href=\"\/search-results\/?listing_page_id=2317&status%5B%5D=for-sale\"\n        >\n          View homes for sale\n        <\/a>\n\n        <a\n          class=\"fe-journey-button secondary\"\n          href=\"#flex-estate-mortgage-calculator\"\n        >\n          Recalculate my budget\n        <\/a>\n\n      <\/div>\n\n    <\/div>\n\n\n    <div class=\"fe-journey-side-cta\">\n\n      <div>\n\n        <h3>\n          Make your future offer stronger\n        <\/h3>\n\n        <p>\n          Get pre-qualified before you bid. For a property you want to\n          purchase, the mortgage adviser can prepare a financing statement\n          that helps show the seller your position has already been reviewed.\n        <\/p>\n\n      <\/div>\n\n\n      <div>\n\n        <a\n          class=\"fe-journey-button light\"\n          href=\"#fe-advisor-form\"\n        >\n          Get mortgage pre-qualified\n        <\/a>\n\n      <\/div>\n\n    <\/div>\n\n\n  <\/div>\n\n\n  <div class=\"fe-journey-note\">\n    A pre-qualification or financing statement is not a mortgage offer\n    or guarantee. Final approval remains subject to the lender's assessment,\n    the property and your circumstances.\n  <\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c4da26 elementor-widget elementor-widget-html\" data-id=\"3c4da26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fe-property-alert\">\n\n    <div class=\"fe-alert-icon\">\u2302<\/div>\n\n    <div class=\"fe-alert-content\">\n        <span class=\"fe-alert-label\">CAN'T FIND THE RIGHT HOME?<\/span>\n\n        <h3>Let the right property come to you.<\/h3>\n\n        <p>\n            Create a free Property Alert and tell us what you're looking for.\n            We'll let you know when properties matching your preferences\n            become available on Flex Estate.\n        <\/p>\n    <\/div>\n\n    <div class=\"fe-alert-action\">\n        <a href=\"#\"\n           class=\"fe-alert-button\"\n           onclick=\"elementorProFrontend.modules.popup.showPopup({id:12968}); return false;\">\n            Create a Property Alert\n            <span>\u2192<\/span>\n        <\/a>\n\n        <small>Free \u00b7 No account required<\/small>\n    <\/div>\n\n<\/div>\n\n<style>\n.fe-property-alert {\n    max-width: 1180px;\n    margin: 35px auto;\n    padding: 28px 32px;\n    background: linear-gradient(135deg, #001C51 0%, #062a60 100%);\n    border-radius: 18px;\n    display: flex;\n    align-items: center;\n    gap: 22px;\n    box-shadow: 0 10px 30px rgba(0, 28, 81, 0.12);\n    font-family: 'Poppins', sans-serif;\n}\n\n.fe-alert-icon {\n    width: 52px;\n    height: 52px;\n    min-width: 52px;\n    border-radius: 50%;\n    background: #16BFBF;\n    color: #001C51;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-size: 27px;\n    font-weight: 700;\n}\n\n.fe-alert-content {\n    flex: 1;\n}\n\n.fe-alert-label {\n    display: block;\n    color: #16BFBF;\n    font-size: 12px;\n    font-weight: 700;\n    letter-spacing: 1.2px;\n    margin-bottom: 5px;\n}\n\n.fe-alert-content h3 {\n    color: #ffffff;\n    font-size: 24px;\n    line-height: 1.25;\n    margin: 0 0 7px 0;\n    font-weight: 700;\n}\n\n.fe-alert-content p {\n    color: rgba(255,255,255,0.82);\n    font-size: 14px;\n    line-height: 1.65;\n    margin: 0;\n    max-width: 680px;\n}\n\n.fe-alert-action {\n    min-width: 230px;\n    text-align: center;\n}\n\n.fe-alert-button {\n    background: #16BFBF;\n    color: #001C51 !important;\n    padding: 14px 22px;\n    border-radius: 30px;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 10px;\n    text-decoration: none !important;\n    font-size: 14px;\n    font-weight: 700;\n    transition: all 0.25s ease;\n}\n\n.fe-alert-button:hover {\n    transform: translateY(-2px);\n    background: #ffffff;\n    color: #001C51 !important;\n}\n\n.fe-alert-button span {\n    font-size: 19px;\n    line-height: 1;\n}\n\n.fe-alert-action small {\n    display: block;\n    margin-top: 8px;\n    color: rgba(255,255,255,0.65);\n    font-size: 11px;\n}\n\n\/* Mobile *\/\n@media (max-width: 767px) {\n    .fe-property-alert {\n        margin: 25px 15px;\n        padding: 25px 22px;\n        flex-direction: column;\n        align-items: flex-start;\n        gap: 15px;\n    }\n\n    .fe-alert-content h3 {\n        font-size: 21px;\n    }\n\n    .fe-alert-action {\n        width: 100%;\n        min-width: 0;\n        text-align: center;\n    }\n\n    .fe-alert-button {\n        width: 100%;\n    }\n}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-464884b elementor-widget elementor-widget-html\" data-id=\"464884b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"fe-adviser-section\">\n\n<style>\n.fe-adviser-section{\n  max-width:1120px;\n  margin:70px auto 0;\n  padding:0 24px;\n  font-family:Poppins,Arial,sans-serif;\n  color:#1F2A3D;\n}\n\n.fe-adviser-wrap{\n  display:grid;\n  grid-template-columns:.9fr 1.1fr;\n  gap:55px;\n  align-items:center;\n  padding:48px;\n  border-radius:24px;\n  background:#F7F9FC;\n}\n\n.fe-adviser-eyebrow{\n  margin-bottom:9px;\n  color:#16BFBF;\n  font-size:13px;\n  font-weight:800;\n  text-transform:uppercase;\n  letter-spacing:.07em;\n}\n\n.fe-adviser-section h2{\n  margin:0 0 16px;\n  color:#001C51;\n  font-size:34px;\n  line-height:1.2;\n}\n\n.fe-adviser-intro{\n  margin:0 0 25px;\n  color:#667286;\n  font-size:15px;\n  line-height:1.7;\n}\n\n.fe-adviser-benefits{\n  display:grid;\n  gap:14px;\n}\n\n.fe-adviser-benefit{\n  display:grid;\n  grid-template-columns:38px 1fr;\n  gap:13px;\n  align-items:start;\n}\n\n.fe-adviser-check{\n  width:34px;\n  height:34px;\n  display:flex;\n  align-items:center;\n  justify-content:center;\n  border-radius:50%;\n  background:#E5F8F7;\n  color:#008D8D;\n  font-weight:800;\n}\n\n.fe-adviser-benefit h3{\n  margin:1px 0 4px;\n  color:#001C51;\n  font-size:15px;\n}\n\n.fe-adviser-benefit p{\n  margin:0;\n  color:#6F7B8D;\n  font-size:13px;\n  line-height:1.55;\n}\n\n.fe-adviser-highlight{\n  padding:32px;\n  border-radius:20px;\n  background:#001C51;\n  color:#fff;\n}\n\n.fe-adviser-highlight-label{\n  margin-bottom:9px;\n  color:#16BFBF;\n  font-size:12px;\n  font-weight:800;\n  text-transform:uppercase;\n  letter-spacing:.07em;\n}\n\n.fe-adviser-highlight h3{\n  margin:0 0 13px;\n  color:#fff;\n  font-size:25px;\n  line-height:1.3;\n}\n\n.fe-adviser-highlight p{\n  margin:0 0 18px;\n  color:#D6E1EF;\n  font-size:14px;\n  line-height:1.7;\n}\n\n.fe-adviser-offer{\n  margin:20px 0;\n  padding:17px;\n  border:1px solid rgba(255,255,255,.16);\n  border-radius:13px;\n  background:rgba(255,255,255,.07);\n}\n\n.fe-adviser-offer strong{\n  display:block;\n  margin-bottom:5px;\n  color:#fff;\n  font-size:14px;\n}\n\n.fe-adviser-offer span{\n  color:#D6E1EF;\n  font-size:12px;\n  line-height:1.55;\n}\n\n.fe-adviser-button{\n  display:inline-flex;\n  align-items:center;\n  justify-content:center;\n  min-height:46px;\n  padding:12px 21px;\n  border-radius:999px;\n  background:#16BFBF;\n  color:#00314A !important;\n  text-decoration:none !important;\n  font-size:13px;\n  font-weight:800;\n}\n\n.fe-adviser-small{\n  margin-top:13px !important;\n  color:#9FB1C9 !important;\n  font-size:11px !important;\n  line-height:1.5 !important;\n}\n\n@media(max-width:800px){\n\n  .fe-adviser-wrap{\n    grid-template-columns:1fr;\n    gap:30px;\n    padding:30px 22px;\n  }\n\n  .fe-adviser-section h2{\n    font-size:29px;\n  }\n\n  .fe-adviser-highlight{\n    padding:25px 20px;\n  }\n}\n\n<\/style>\n\n\n<div class=\"fe-adviser-wrap\">\n\n  <div>\n\n    <div class=\"fe-adviser-eyebrow\">\n      From estimate to real financing\n    <\/div>\n\n    <h2>\n      Go beyond the calculator\n    <\/h2>\n\n    <p class=\"fe-adviser-intro\">\n    The Flex Estate calculator gives you a useful first estimate based on the information you enter. When you want to go further, a mortgage adviser can look at the details a calculator cannot fully assess and help you understand which financing options may suit your situation.\n    <\/p>\n\n\n    <div class=\"fe-adviser-benefits\">\n\n\n      <div class=\"fe-adviser-benefit\">\n\n        <div class=\"fe-adviser-check\">\u2713<\/div>\n\n        <div>\n          <h3>Personal mortgage assessment<\/h3>\n          <p>\n            Your income, financial commitments and personal situation\n            can be reviewed in more detail than an online calculator can.\n          <\/p>\n        <\/div>\n\n      <\/div>\n\n\n      <div class=\"fe-adviser-benefit\">\n\n        <div class=\"fe-adviser-check\">\u2713<\/div>\n\n        <div>\n          <h3>Compare suitable mortgage options<\/h3>\n          <p>\n            The adviser can look at suitable mortgage possibilities\n            and explain which solution fits your situation.\n          <\/p>\n        <\/div>\n\n      <\/div>\n\n\n      <div class=\"fe-adviser-benefit\">\n\n        <div class=\"fe-adviser-check\">\u2713<\/div>\n\n        <div>\n          <h3>Guidance through the mortgage process<\/h3>\n          <p>\n            From preparing the required information to arranging the\n            mortgage, you can receive personal guidance throughout the process.\n          <\/p>\n        <\/div>\n\n      <\/div>\n\n\n      <div class=\"fe-adviser-benefit\">\n\n        <div class=\"fe-adviser-check\">\u2713<\/div>\n\n        <div>\n          <h3>Prepare before you start bidding<\/h3>\n          <p>\n            Understanding your financing position in advance means you\n            can search and negotiate with considerably more confidence.\n          <\/p>\n        <\/div>\n\n      <\/div>\n\n\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-adviser-highlight\">\n\n    <div class=\"fe-adviser-highlight-label\">\n      A stronger position when you bid\n    <\/div>\n\n    <h3>\n      Found the right home? Support your offer with your financing position.\n    <\/h3>\n\n    <p>\n      After your financial situation has been reviewed, the mortgage\n      adviser can prepare a property-specific pre-qualification statement\n      for a home you want to buy.\n    <\/p>\n\n    <div class=\"fe-adviser-offer\">\n\n      <strong>\n        Attach it to your offer\n      <\/strong>\n\n      <span>\n        This can help demonstrate to the seller that your financial\n        position has already been assessed, giving more substance to\n        your offer than simply stating that you expect to obtain financing.\n      <\/span>\n\n    <\/div>\n\n    <p>\n      If your offer is accepted, the adviser can then guide you through\n      the next steps toward arranging the actual mortgage.\n    <\/p>\n\n    <a\n      href=\"#fe-advisor-form\"\n      class=\"fe-adviser-button\"\n    >\n      Check my financial position\n    <\/a>\n\n    <p class=\"fe-adviser-small\">\n      Pre-qualification is an assessment, not a mortgage approval or\n      guarantee. Final financing remains subject to lender acceptance\n      and the property being purchased.\n    <\/p>\n\n  <\/div>\n\n<\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94c7517 elementor-widget elementor-widget-html\" data-id=\"94c7517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"fe-budget-section\">\n\n<style>\n.fe-budget-section{\n  max-width:1120px;\n  margin:72px auto 0;\n  padding:0 24px;\n  font-family:Poppins,Arial,sans-serif;\n  color:#1F2A3D;\n}\n\n.fe-budget-header{\n  max-width:860px;\n  margin-bottom:34px;\n}\n\n.fe-budget-eyebrow{\n  margin-bottom:9px;\n  color:#16BFBF;\n  font-size:13px;\n  font-weight:800;\n  letter-spacing:.07em;\n  text-transform:uppercase;\n}\n\n.fe-budget-section h2{\n  margin:0 0 15px;\n  color:#001C51;\n  font-size:36px;\n  line-height:1.2;\n  font-weight:800;\n}\n\n.fe-budget-intro{\n  margin:0;\n  color:#667286;\n  font-size:16px;\n  line-height:1.8;\n}\n\n.fe-budget-grid{\n  display:grid;\n  grid-template-columns:1fr 1fr;\n  gap:18px;\n}\n\n.fe-budget-card{\n  padding:24px;\n  border:1px solid #DCE3ED;\n  border-radius:18px;\n  background:#fff;\n  box-shadow:0 8px 24px rgba(0,28,81,.05);\n}\n\n.fe-budget-card.accent{\n  background:#001C51;\n  color:#fff;\n  border-color:#001C51;\n}\n\n.fe-budget-icon{\n  width:42px;\n  height:42px;\n  display:flex;\n  align-items:center;\n  justify-content:center;\n  margin-bottom:15px;\n  border-radius:50%;\n  background:#EAF9F8;\n  color:#001C51;\n  font-size:16px;\n  font-weight:800;\n}\n\n.fe-budget-card.accent .fe-budget-icon{\n  background:#16BFBF;\n  color:#00314A;\n}\n\n.fe-budget-card h3{\n  margin:0 0 8px;\n  color:#001C51;\n  font-size:19px;\n  line-height:1.35;\n}\n\n.fe-budget-card.accent h3{\n  color:#fff;\n}\n\n.fe-budget-card p{\n  margin:0;\n  color:#6F7B8D;\n  font-size:13px;\n  line-height:1.7;\n}\n\n.fe-budget-card.accent p{\n  color:#DCE6F3;\n}\n\n.fe-expat-box{\n  margin-top:22px;\n  padding:22px;\n  border:1px solid #CFEDEC;\n  border-radius:16px;\n  background:#EDF9F9;\n}\n\n.fe-expat-box h3{\n  margin:0 0 8px;\n  color:#001C51;\n  font-size:18px;\n}\n\n.fe-expat-box p{\n  margin:0;\n  color:#46626A;\n  font-size:13px;\n  line-height:1.7;\n}\n\n.fe-expat-box p + p{\n  margin-top:10px;\n}\n\n.fe-cost-heading{\n  margin:34px 0 16px;\n}\n\n.fe-cost-heading h3{\n  margin:0 0 6px;\n  color:#001C51;\n  font-size:22px;\n}\n\n.fe-cost-heading p{\n  margin:0;\n  color:#6F7B8D;\n  font-size:13px;\n  line-height:1.65;\n}\n\n.fe-budget-costs{\n  display:grid;\n  grid-template-columns:repeat(3,1fr);\n  gap:12px;\n}\n\n.fe-budget-cost{\n  padding:17px;\n  border:1px solid #E2E7EE;\n  border-radius:14px;\n  background:#F8FAFC;\n}\n\n.fe-budget-cost strong{\n  display:block;\n  margin-bottom:5px;\n  color:#001C51;\n  font-size:14px;\n}\n\n.fe-budget-cost span{\n  color:#6F7B8D;\n  font-size:12px;\n  line-height:1.55;\n}\n\n.fe-budget-note{\n  margin-top:24px;\n  padding:18px 20px;\n  border-left:4px solid #16BFBF;\n  border-radius:12px;\n  background:#F7FAFC;\n  color:#516071;\n  font-size:13px;\n  line-height:1.7;\n}\n\n.fe-budget-note strong{\n  color:#001C51;\n}\n\n.fe-budget-cta{\n  display:flex;\n  align-items:center;\n  justify-content:space-between;\n  gap:20px;\n  margin-top:28px;\n  padding:24px 26px;\n  border-radius:18px;\n  background:#001C51;\n}\n\n.fe-budget-cta h3{\n  margin:0 0 6px;\n  color:#fff;\n  font-size:20px;\n}\n\n.fe-budget-cta p{\n  margin:0;\n  color:#D5E1EF;\n  font-size:13px;\n  line-height:1.6;\n}\n\n.fe-budget-button{\n  flex:0 0 auto;\n  display:inline-flex;\n  align-items:center;\n  justify-content:center;\n  min-height:44px;\n  padding:11px 18px;\n  border-radius:999px;\n  background:#16BFBF;\n  color:#00314A!important;\n  text-decoration:none!important;\n  font-size:13px;\n  font-weight:800;\n}\n\n@media(max-width:850px){\n\n  .fe-budget-grid{\n    grid-template-columns:1fr;\n  }\n\n  .fe-budget-costs{\n    grid-template-columns:1fr;\n  }\n\n  .fe-budget-cta{\n    flex-direction:column;\n    align-items:flex-start;\n  }\n}\n\n@media(max-width:600px){\n\n  .fe-budget-section{\n    margin-top:52px;\n    padding:0 18px;\n  }\n\n  .fe-budget-section h2{\n    font-size:30px;\n  }\n\n  .fe-budget-button{\n    width:100%;\n  }\n}\n<\/style>\n\n\n<div class=\"fe-budget-header\">\n\n  <div class=\"fe-budget-eyebrow\">\n    Understand your real buying budget\n  <\/div>\n\n  <h2>\n    Your calculator result is only one part of what you can actually finance\n  <\/h2>\n\n  <p class=\"fe-budget-intro\">\n    Your estimated maximum mortgage is mainly based on your income and financial\n    commitments, but that does not automatically mean you can borrow that amount\n    for every property. The final financing also depends on the market value of\n    the home, the lender's acceptance criteria and your personal circumstances.\n  <\/p>\n\n<\/div>\n\n\n<div class=\"fe-budget-grid\">\n\n\n  <div class=\"fe-budget-card\">\n\n    <div class=\"fe-budget-icon\">\u20ac<\/div>\n\n    <h3>\n      Your financial capacity\n    <\/h3>\n\n    <p>\n      Your qualifying income, student debt, personal loans, private lease and\n      other financial commitments help determine the maximum mortgage your\n      financial situation may support.\n    <\/p>\n\n  <\/div>\n\n\n  <div class=\"fe-budget-card\">\n\n    <div class=\"fe-budget-icon\">\u2302<\/div>\n\n    <h3>\n      The market value of the home\n    <\/h3>\n\n    <p>\n      The property itself matters too. In the Netherlands, a mortgage can\n      generally be up to 100% of the property's market value. A professional\n      valuation is used to establish that value, so a higher asking or purchase\n      price does not automatically mean the full amount can be financed.\n    <\/p>\n\n  <\/div>\n\n\n  <div class=\"fe-budget-card\">\n\n    <div class=\"fe-budget-icon\">ID<\/div>\n\n    <h3>\n      Your residency and personal situation\n    <\/h3>\n\n    <p>\n      Residence status, the type of residence permit you hold, your employment\n      situation, where your income is earned and even the currency in which you\n      are paid can influence which lenders and mortgage conditions are available.\n    <\/p>\n\n  <\/div>\n\n\n  <div class=\"fe-budget-card accent\">\n\n    <div class=\"fe-budget-icon\">+<\/div>\n\n    <h3>\n      Your own funds\n    <\/h3>\n\n    <p>\n      Savings can increase your overall buying room and may be needed for\n      additional purchase costs or for any difference between the agreed purchase\n      price and the value a lender is willing to finance.\n    <\/p>\n\n  <\/div>\n\n<\/div>\n\n\n<div class=\"fe-expat-box\">\n\n  <h3>\n    Buying a home in the Netherlands as an expat?\n  <\/h3>\n\n  <p>\n    International buyers do not all fall under the same mortgage conditions.\n    A temporary or permanent residence permit, your employment contract and\n    whether your income is paid in euros or another currency can affect the\n    lenders and financing options available to you.\n  <\/p>\n\n  <p>\n    For example, some mortgage or NHG conditions treat residence permits\n    differently when the applicant's income is needed for the loan. Some lenders\n    may also apply a more conservative assessment when income is earned in a\n    foreign currency. A personal mortgage review can therefore be particularly\n    useful if your situation is international or less standard.\n  <\/p>\n\n<\/div>\n\n\n<div class=\"fe-cost-heading\">\n\n  <h3>\n    Remember the costs around the purchase\n  <\/h3>\n\n  <p>\n    The property price is not the only amount you need to prepare for.\n    Some purchase-related costs may need to be paid from your own funds.\n  <\/p>\n\n<\/div>\n\n\n<div class=\"fe-budget-costs\">\n\n\n  <div class=\"fe-budget-cost\">\n\n    <strong>\n      Notary costs\n    <\/strong>\n\n    <span>\n      The transfer deed and mortgage deed are handled by a notary and involve\n      separate costs.\n    <\/span>\n\n  <\/div>\n\n\n  <div class=\"fe-budget-cost\">\n\n    <strong>\n      Valuation & mortgage advice\n    <\/strong>\n\n    <span>\n      A professional valuation, mortgage advice and mortgage arrangement costs\n      may form part of the additional buying expenses.\n    <\/span>\n\n  <\/div>\n\n\n  <div class=\"fe-budget-cost\">\n\n    <strong>\n      Transfer tax & other costs\n    <\/strong>\n\n    <span>\n      Depending on your age, circumstances and the property, transfer tax and\n      other purchase-related expenses may also apply.\n    <\/span>\n\n  <\/div>\n\n\n<\/div>\n\n\n<div class=\"fe-budget-note\">\n\n  <strong>A simple example:<\/strong>\n  if you agree to buy a home for \u20ac400,000 but the accepted market valuation is\n  \u20ac390,000, the difference cannot simply be assumed to be covered by the\n  mortgage. Your own funds may therefore play an important role even when your\n  income supports a higher borrowing amount.\n\n<\/div>\n\n\n<div class=\"fe-budget-cta\">\n\n  <div>\n\n    <h3>\n      Know your approximate buying range?\n    <\/h3>\n\n    <p>\n      Use your budget to focus on homes that make sense for your situation\n      and continue your buying journey on Flex Estate.\n    <\/p>\n\n  <\/div>\n\n  <a\n    class=\"fe-budget-button\"\n    href=\"\/search-results\/?listing_page_id=2317&status%5B%5D=for-sale\"\n  >\n    View homes for sale\n  <\/a>\n\n<\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3680ebd e-flex e-con-boxed e-con e-parent\" data-id=\"3680ebd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d5eb1c elementor-widget elementor-widget-html\" data-id=\"8d5eb1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"fe-offer-section\">\n\n<style>\n.fe-offer-section{\n  max-width:1120px;\n  margin:72px auto 0;\n  padding:0 24px;\n  font-family:Poppins,Arial,sans-serif;\n  color:#1F2A3D;\n}\n\n.fe-offer-header{\n  max-width:870px;\n  margin-bottom:34px;\n}\n\n.fe-offer-eyebrow{\n  margin-bottom:9px;\n  color:#16BFBF;\n  font-size:13px;\n  font-weight:800;\n  letter-spacing:.07em;\n  text-transform:uppercase;\n}\n\n.fe-offer-section h2{\n  margin:0 0 15px;\n  color:#001C51;\n  font-size:36px;\n  line-height:1.2;\n  font-weight:800;\n}\n\n.fe-offer-intro{\n  margin:0;\n  color:#667286;\n  font-size:17px;\n  line-height:1.75;\n}\n\n.fe-offer-grid{\n  display:grid;\n  grid-template-columns:repeat(3,1fr);\n  gap:18px;\n}\n\n.fe-offer-card{\n  display:flex;\n  flex-direction:column;\n  height:100%;\n  padding:26px;\n  border:1px solid #DCE3ED;\n  border-radius:18px;\n  background:#fff;\n  box-shadow:0 8px 24px rgba(0,28,81,.05);\n}\n\n.fe-offer-number{\n  width:40px;\n  height:40px;\n  flex:0 0 40px;\n  display:flex;\n  align-items:center;\n  justify-content:center;\n  margin-bottom:16px;\n  border-radius:50%;\n  background:#001C51;\n  color:#fff;\n  font-size:14px;\n  font-weight:800;\n}\n\n.fe-offer-card h3{\n  margin:0 0 10px;\n  color:#001C51;\n  font-size:18px;\n  line-height:1.4;\n}\n\n.fe-offer-card p{\n  margin:0;\n  color:#6F7B8D;\n  font-size:15px;\n  line-height:1.7;\n}\n\n.fe-offer-tip{\n  margin-top:15px;\n  padding-top:14px;\n  border-top:1px solid #E7EBF1;\n  color:#4E5C70;\n  font-size:14px;\n  line-height:1.6;\n}\n\n.fe-offer-tip strong{\n  color:#001C51;\n}\n\n.fe-offer-highlight{\n  display:grid;\n  grid-template-columns:1fr 1fr;\n  gap:18px;\n  margin-top:24px;\n}\n\n.fe-offer-highlight-box{\n  padding:28px;\n  border-radius:18px;\n}\n\n.fe-offer-highlight-box.navy{\n  background:#001C51;\n}\n\n.fe-offer-highlight-box.light{\n  background:#EDF9F9;\n  border:1px solid #CFEDEC;\n}\n\n.fe-offer-label{\n  margin-bottom:7px;\n  color:#16BFBF;\n  font-size:12px;\n  font-weight:800;\n  letter-spacing:.06em;\n  text-transform:uppercase;\n}\n\n.fe-offer-highlight-box h3{\n  margin:0 0 10px;\n  font-size:21px;\n  line-height:1.35;\n}\n\n.fe-offer-highlight-box.navy h3{\n  color:#fff;\n}\n\n.fe-offer-highlight-box.light h3{\n  color:#001C51;\n}\n\n.fe-offer-highlight-box p{\n  margin:0;\n  font-size:15px;\n  line-height:1.7;\n}\n\n.fe-offer-highlight-box.navy p{\n  color:#DCE6F3;\n}\n\n.fe-offer-highlight-box.light p{\n  color:#46626A;\n}\n\n.fe-notary-strip{\n  display:grid;\n  grid-template-columns:1fr auto;\n  gap:28px;\n  align-items:center;\n  margin-top:26px;\n  padding:28px;\n  border:1px solid #DCE3ED;\n  border-radius:18px;\n  background:#F7F9FC;\n}\n\n.fe-notary-strip h3{\n  margin:0 0 7px;\n  color:#001C51;\n  font-size:20px;\n  line-height:1.4;\n}\n\n.fe-notary-strip p{\n  margin:0;\n  max-width:760px;\n  color:#667286;\n  font-size:15px;\n  line-height:1.7;\n}\n\n.fe-notary-button{\n  display:inline-flex;\n  align-items:center;\n  justify-content:center;\n  min-height:46px;\n  padding:12px 20px;\n  border-radius:999px;\n  background:#001C51;\n  color:#fff!important;\n  text-decoration:none!important;\n  font-size:14px;\n  font-weight:800;\n  white-space:nowrap;\n}\n\n.fe-offer-note{\n  margin-top:18px;\n  color:#748095;\n  font-size:14px;\n  line-height:1.65;\n}\n\n@media(max-width:850px){\n\n  .fe-offer-grid,\n  .fe-offer-highlight{\n    grid-template-columns:1fr;\n  }\n\n  .fe-notary-strip{\n    grid-template-columns:1fr;\n  }\n}\n\n@media(max-width:600px){\n\n  .fe-offer-section{\n    margin-top:52px;\n    padding:0 18px;\n  }\n\n  .fe-offer-section h2{\n    font-size:30px;\n  }\n\n  .fe-offer-card p,\n  .fe-offer-highlight-box p,\n  .fe-notary-strip p{\n    font-size:16px;\n  }\n\n  .fe-notary-button{\n    width:100%;\n  }\n}\n\n<\/style>\n\n\n<div class=\"fe-offer-header\">\n\n  <div class=\"fe-offer-eyebrow\">\n    When you find the right home\n  <\/div>\n\n  <h2>\n    From viewing to becoming the owner\n  <\/h2>\n\n  <p class=\"fe-offer-intro\">\n    Once you find a property that fits your budget, the process moves quickly.\n    Flex Estate helps you understand what comes next \u2014 from making your offer\n    to completing the final transfer.\n  <\/p>\n\n<\/div>\n\n\n<div class=\"fe-offer-grid\">\n\n\n  <!-- STEP 1 -->\n\n  <div class=\"fe-offer-card\">\n\n    <div class=\"fe-offer-number\">\n      1\n    <\/div>\n\n    <h3>\n      View the home and place your offer\n    <\/h3>\n\n    <p>\n      Assess the property, ask your questions and decide what you are prepared\n      to offer. Your bid can include the price, proposed completion date and\n      any conditions that are important to you.\n    <\/p>\n\n    <div class=\"fe-offer-tip\">\n\n      <strong>Your offer is more than a number.<\/strong><br>\n\n      A seller may also consider how the purchase will be financed, whether\n      you need a mortgage, how much own money you are contributing, whether\n      you are buying fully or partly with cash, and the conditions attached\n      to your bid.\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- STEP 2 -->\n\n  <div class=\"fe-offer-card\">\n\n    <div class=\"fe-offer-number\">\n      2\n    <\/div>\n\n    <h3>\n      Offer accepted? Complete the checks\n    <\/h3>\n\n    <p>\n      After acceptance, make sure the agreed conditions are completed.\n      Depending on your offer, this can include arranging the mortgage and\n      carrying out a professional building inspection.\n    <\/p>\n\n    <div class=\"fe-offer-tip\">\n\n      <strong>Building inspection<\/strong><br>\n\n      An inspection can help identify defects, maintenance needs or structural\n      concerns such as moisture, roof problems or possible foundation issues.\n      If the inspection is part of your agreed conditions, the outcome can\n      also affect whether you continue with the purchase.\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- STEP 3 -->\n\n  <div class=\"fe-offer-card\">\n\n    <div class=\"fe-offer-number\">\n      3\n    <\/div>\n\n    <h3>\n      Everything in order? Move to the notary\n    <\/h3>\n\n    <p>\n      Once the purchase conditions and financing are in order, the process\n      moves toward the legal transfer. The notary prepares the transfer deed\n      and, when applicable, the mortgage deed.\n    <\/p>\n\n    <div class=\"fe-offer-tip\">\n\n      <strong>The final step<\/strong><br>\n\n      At completion, the legal transfer is signed and the property officially\n      becomes yours. Flex Estate can also help connect you with a notary when\n      you need one.\n\n    <\/div>\n\n  <\/div>\n\n\n<\/div>\n\n\n<!-- IMPORTANT OFFER INFORMATION -->\n\n<div class=\"fe-offer-highlight\">\n\n\n  <div class=\"fe-offer-highlight-box navy\">\n\n    <div class=\"fe-offer-label\">\n      Transparent bidding\n    <\/div>\n\n    <h3>\n      Know where you stand when making an offer\n    <\/h3>\n\n    <p>\n      Flex Estate is built around a more transparent bidding process.\n      Instead of an unclear back-and-forth, buyers can follow the process\n      more openly and understand what is happening with their bid.\n    <\/p>\n\n  <\/div>\n\n\n  <div class=\"fe-offer-highlight-box light\">\n\n    <div class=\"fe-offer-label\">\n      A strong offer is more than the highest price\n    <\/div>\n\n    <h3>\n      Your certainty can matter to the seller too\n    <\/h3>\n\n    <p>\n      A seller may look at the complete offer: the price, financing condition,\n      amount of own funds, whether a mortgage is required, a cash contribution,\n      completion date and other conditions. A financing statement can also help\n      demonstrate that your financial position has already been reviewed.\n    <\/p>\n\n  <\/div>\n\n\n<\/div>\n\n\n<!-- NOTARY -->\n\n<div class=\"fe-notary-strip\">\n\n  <div>\n\n    <h3>\n      Need a notary for your purchase?\n    <\/h3>\n\n    <p>\n      The notary handles the legal transfer of the property and, if you are\n      taking a mortgage, the mortgage deed as well. Flex Estate can help connect\n      you with a notary so you do not have to start searching again when you\n      reach the final stage of your purchase.\n    <\/p>\n\n  <\/div>\n\n  <a\n    class=\"fe-notary-button\"\n    href=\"\/broker-notary-connection\/\"\n  >\n    Help me find a notary\n  <\/a>\n\n<\/div>\n\n\n<div class=\"fe-offer-note\">\n\n  Conditions such as financing or a building inspection should be agreed as\n  part of the purchase process where relevant. A building inspection does not\n  automatically allow a buyer to cancel a purchase unless the agreement gives\n  the buyer that right.\n\n<\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b153be elementor-widget elementor-widget-html\" data-id=\"4b153be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"fe-next-home\">\n\n<style>\n.fe-next-home{\n  max-width:1120px;\n  margin:70px auto;\n  padding:0 24px;\n  font-family:Poppins,Arial,sans-serif;\n}\n\n.fe-next-wrap{\n  position:relative;\n  overflow:hidden;\n  padding:52px 48px;\n  border-radius:24px;\n  background:#001C51;\n}\n\n.fe-next-eyebrow{\n  margin-bottom:10px;\n  color:#16BFBF;\n  font-size:13px;\n  font-weight:800;\n  letter-spacing:.07em;\n  text-transform:uppercase;\n}\n\n.fe-next-home h2{\n  max-width:700px;\n  margin:0 0 14px;\n  color:#fff;\n  font-size:36px;\n  line-height:1.2;\n  font-weight:800;\n}\n\n.fe-next-intro{\n  max-width:760px;\n  margin:0;\n  color:#D7E1EF;\n  font-size:17px;\n  line-height:1.75;\n}\n\n.fe-next-actions{\n  display:grid;\n  grid-template-columns:repeat(3,1fr);\n  gap:14px;\n  margin-top:32px;\n}\n\n.fe-next-card{\n  display:flex;\n  flex-direction:column;\n  padding:22px;\n  border:1px solid rgba(255,255,255,.16);\n  border-radius:16px;\n  background:rgba(255,255,255,.07);\n}\n\n.fe-next-icon{\n  display:flex;\n  align-items:center;\n  justify-content:center;\n  width:38px;\n  height:38px;\n  margin-bottom:14px;\n  border-radius:50%;\n  background:#16BFBF;\n  color:#001C51;\n  font-size:18px;\n  font-weight:800;\n}\n\n.fe-next-card h3{\n  margin:0 0 8px;\n  color:#fff;\n  font-size:18px;\n  line-height:1.4;\n}\n\n.fe-next-card p{\n  flex:1;\n  margin:0 0 18px;\n  color:#D7E1EF;\n  font-size:15px;\n  line-height:1.65;\n}\n\n.fe-next-button{\n  display:inline-flex;\n  align-items:center;\n  justify-content:center;\n  min-height:44px;\n  padding:11px 17px;\n  border-radius:999px;\n  background:#fff;\n  color:#001C51 !important;\n  text-decoration:none !important;\n  font-size:14px;\n  font-weight:800;\n}\n\n.fe-next-card:first-child .fe-next-button{\n  background:#16BFBF;\n  color:#001C51 !important;\n}\n\n@media(max-width:800px){\n\n  .fe-next-actions{\n    grid-template-columns:1fr;\n  }\n\n}\n\n@media(max-width:600px){\n\n  .fe-next-home{\n    margin:50px auto;\n    padding:0 18px;\n  }\n\n  .fe-next-wrap{\n    padding:36px 22px;\n  }\n\n  .fe-next-home h2{\n    font-size:29px;\n  }\n\n  .fe-next-intro{\n    font-size:16px;\n  }\n\n  .fe-next-card p{\n    font-size:16px;\n  }\n\n}\n\n<\/style>\n\n\n<div class=\"fe-next-wrap\">\n\n  <div class=\"fe-next-eyebrow\">\n    Your next move\n  <\/div>\n\n  <h2>\n    Your home search doesn't have to stop at the calculation.\n  <\/h2>\n\n  <p class=\"fe-next-intro\">\n    Use your estimated buying power to take the next step. Explore homes,\n    strengthen your financial position and continue your purchase through\n    Flex Estate.\n  <\/p>\n\n\n  <div class=\"fe-next-actions\">\n\n\n    <!-- EXPLORE -->\n\n    <div class=\"fe-next-card\">\n\n      <div class=\"fe-next-icon\">\u2302<\/div>\n\n      <h3>Find a home within your budget<\/h3>\n\n      <p>\n        Explore available properties and focus your search on homes that\n        match the buying range you now understand.\n      <\/p>\n\n      <a\n        class=\"fe-next-button\"\n        href=\"\/properties\/\"\n      >\n        Explore homes\n      <\/a>\n\n    <\/div>\n\n\n    <!-- MORTGAGE -->\n\n    <div class=\"fe-next-card\">\n\n      <div class=\"fe-next-icon\">\u2713<\/div>\n\n      <h3>Turn your estimate into certainty<\/h3>\n\n      <p>\n        Have a mortgage adviser review your actual situation and help you\n        understand what financing may realistically be available.\n      <\/p>\n\n      <a\n        class=\"fe-next-button\"\n        href=\"#mortgage-prequalification\"\n      >\n        Request financial review\n      <\/a>\n\n    <\/div>\n\n\n    <!-- SUPPORT -->\n\n    <div class=\"fe-next-card\">\n\n      <div class=\"fe-next-icon\">\u2192<\/div>\n\n      <h3>Need help with the next step?<\/h3>\n\n      <p>\n        From financing to professional connections and the final transfer,\n        Flex Estate helps you find the right next step when you need it.\n      <\/p>\n\n      <a\n        class=\"fe-next-button\"\n        href=\"\/broker-notary-connection\/\"\n      >\n        Get support\n      <\/a>\n\n    <\/div>\n\n\n  <\/div>\n\n<\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5673781 elementor-widget elementor-widget-html\" data-id=\"5673781\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"fe-mortgage-faq\">\n\n<style>\n.fe-mortgage-faq{\n  max-width:1120px;\n  margin:70px auto;\n  padding:0 24px;\n  font-family:Poppins,Arial,sans-serif;\n  color:#1F2A3D;\n}\n\n.fe-faq-header{\n  max-width:820px;\n  margin-bottom:30px;\n}\n\n.fe-faq-eyebrow{\n  margin-bottom:9px;\n  color:#16BFBF;\n  font-size:13px;\n  font-weight:800;\n  letter-spacing:.07em;\n  text-transform:uppercase;\n}\n\n.fe-mortgage-faq h2{\n  margin:0 0 14px;\n  color:#001C51;\n  font-size:36px;\n  line-height:1.2;\n  font-weight:800;\n}\n\n.fe-faq-intro{\n  margin:0;\n  color:#667286;\n  font-size:17px;\n  line-height:1.75;\n}\n\n.fe-faq-list{\n  display:grid;\n  gap:12px;\n}\n\n.fe-faq-item{\n  border:1px solid #DCE3ED;\n  border-radius:16px;\n  background:#fff;\n  overflow:hidden;\n  box-shadow:0 6px 18px rgba(0,28,81,.035);\n}\n\n.fe-faq-question{\n  width:100%;\n  display:flex;\n  align-items:center;\n  justify-content:space-between;\n  gap:20px;\n  padding:20px 22px;\n  border:0;\n  background:#fff;\n  color:#001C51;\n  font-family:Poppins,Arial,sans-serif;\n  font-size:16px;\n  line-height:1.45;\n  font-weight:700;\n  text-align:left;\n  cursor:pointer;\n}\n\n.fe-faq-question:hover{\n  background:#FAFCFE;\n}\n\n.fe-faq-plus{\n  flex:0 0 30px;\n  width:30px;\n  height:30px;\n  display:flex;\n  align-items:center;\n  justify-content:center;\n  border-radius:50%;\n  background:#EAF9F8;\n  color:#001C51;\n  font-size:19px;\n  font-weight:700;\n  transition:.2s ease;\n}\n\n.fe-faq-item.open .fe-faq-plus{\n  transform:rotate(45deg);\n}\n\n.fe-faq-answer{\n  display:none;\n  padding:0 22px 22px;\n  color:#667286;\n  font-size:15px;\n  line-height:1.75;\n}\n\n.fe-faq-item.open .fe-faq-answer{\n  display:block;\n}\n\n.fe-faq-answer p{\n  margin:0;\n}\n\n.fe-faq-answer p + p{\n  margin-top:10px;\n}\n\n.fe-faq-note{\n  margin-top:22px;\n  padding:17px 19px;\n  border-left:4px solid #16BFBF;\n  border-radius:12px;\n  background:#F7FAFC;\n  color:#667286;\n  font-size:14px;\n  line-height:1.7;\n}\n\n.fe-faq-note strong{\n  color:#001C51;\n}\n\n@media(max-width:600px){\n\n  .fe-mortgage-faq{\n    margin:52px auto;\n    padding:0 18px;\n  }\n\n  .fe-mortgage-faq h2{\n    font-size:30px;\n  }\n\n  .fe-faq-question{\n    padding:18px;\n    font-size:16px;\n  }\n\n  .fe-faq-answer{\n    padding:0 18px 19px;\n    font-size:16px;\n  }\n\n}\n\n<\/style>\n\n\n<div class=\"fe-faq-header\">\n\n  <div class=\"fe-faq-eyebrow\">\n    Mortgage calculator FAQs\n  <\/div>\n\n  <h2>\n    Frequently asked questions about mortgages in the Netherlands\n  <\/h2>\n\n  <p class=\"fe-faq-intro\">\n    A mortgage calculation is a useful starting point, but every buyer and\n    every property is different. These are some of the most common questions\n    buyers have before purchasing a home in the Netherlands.\n  <\/p>\n\n<\/div>\n\n\n<div class=\"fe-faq-list\">\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>How much mortgage can I get in the Netherlands?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        Your maximum mortgage depends on factors such as your qualifying income,\n        financial commitments, interest rate, whether you are buying alone or\n        together and the value of the property. The Flex Estate calculator gives\n        you an indicative estimate, while the final amount is determined by the\n        lender's assessment.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>Can I borrow the full purchase price of a home?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        A Dutch mortgage can generally finance up to 100% of the accepted market\n        value of the property. If you agree to pay more than the valuation, or if\n        you have additional purchase costs, you may need to use your own funds.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>Do I need my own money to buy a home?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        Often yes. Costs such as the notary, valuation, mortgage advice,\n        transfer tax where applicable and other purchase-related expenses may\n        need to be paid separately. Own funds may also be needed if the purchase\n        price is higher than the value accepted by the lender.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>Can expats get a mortgage in the Netherlands?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        Yes, many international buyers can obtain a Dutch mortgage. However,\n        residence status, permit type, employment situation, income source and\n        income currency can affect which lenders and conditions are available.\n        A mortgage adviser can assess your individual situation.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>Does a student loan affect my mortgage?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        It can. Student debt and the applicable repayment obligation may reduce\n        your borrowing capacity. The exact impact depends on the debt and the\n        lender's mortgage assessment.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>Does private lease affect how much I can borrow?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        Private lease can count as a financial commitment and may reduce the\n        mortgage amount available to you. The treatment can depend on the\n        agreement and lender criteria.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>Can an energy-efficient home increase my borrowing capacity?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        Potentially. Dutch mortgage rules allow additional borrowing capacity\n        for certain energy-efficient homes, depending on the property's energy\n        label. Additional borrowing may also be possible for qualifying\n        energy-saving improvements.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>What does mortgage pre-qualification mean?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        Pre-qualification means a mortgage adviser reviews your financial\n        position in more detail than an online calculator. It is not a mortgage\n        approval or guarantee, but it can give you a clearer understanding of\n        your financing position before you make an offer.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>Can I attach proof of my financing position to an offer?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        If your situation has been reviewed, a mortgage adviser may be able to\n        prepare a property-specific financing statement. You can use this to\n        support your offer and show the seller that your financial position has\n        already been assessed.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>Is a building inspection mandatory when buying a house?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        Not always, but a professional building inspection can be useful for\n        identifying defects, maintenance needs or structural risks that may not\n        be obvious during a viewing. If you want the inspection to affect your\n        ability to continue with the purchase, the appropriate condition should\n        be included in the agreement.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n  <div class=\"fe-faq-item\">\n\n    <button class=\"fe-faq-question\" type=\"button\">\n      <span>What happens after my offer is accepted?<\/span>\n      <span class=\"fe-faq-plus\">+<\/span>\n    <\/button>\n\n    <div class=\"fe-faq-answer\">\n      <p>\n        The next steps can include signing the purchase agreement, completing\n        any agreed financing or inspection conditions, arranging the mortgage\n        and preparing for the legal transfer at the notary.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n\n<\/div>\n\n\n<div class=\"fe-faq-note\">\n\n  <strong>Still unsure about your situation?<\/strong>\n  Use the calculator for a first estimate, then request a personal financial\n  review if you want an adviser to look at your circumstances in more detail.\n\n<\/div>\n\n\n<script>\n(function(){\n\n  const section =\n    document.currentScript.closest(\n      '.fe-mortgage-faq'\n    );\n\n  if(!section){\n    return;\n  }\n\n  section\n    .querySelectorAll(\n      '.fe-faq-question'\n    )\n    .forEach(button => {\n\n      button.addEventListener(\n        'click',\n        function(){\n\n          const item =\n            this.closest(\n              '.fe-faq-item'\n            );\n\n          item.classList.toggle(\n            'open'\n          );\n\n        }\n      );\n\n    });\n\n})();\n<\/script>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-199f45c elementor-widget elementor-widget-html\" data-id=\"199f45c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\n\/* =========================================================\n   FLEX ESTATE MORTGAGE PAGE\n   GLOBAL READABILITY FIX\n   Applies to the custom sections around the calculator\n========================================================= *\/\n\n\n\/* STANDARD BODY TEXT *\/\n\n.fe-buyer-journey p,\n.fe-adviser-section p,\n.fe-budget-section p{\n  font-size:15px !important;\n  line-height:1.7 !important;\n}\n\n\n\/* SMALL TEXT INSIDE CARDS *\/\n\n.fe-journey-card p,\n.fe-adviser-benefit p,\n.fe-budget-card p,\n.fe-expat-box p{\n  font-size:15px !important;\n  line-height:1.7 !important;\n}\n\n\n\/* SMALLER SUPPORTING BOXES *\/\n\n.fe-budget-cost span,\n.fe-journey-note,\n.fe-adviser-small,\n.fe-budget-note{\n  font-size:14px !important;\n  line-height:1.65 !important;\n}\n\n\n\/* CARD TITLES *\/\n\n.fe-journey-card h3,\n.fe-adviser-benefit h3,\n.fe-budget-card h3,\n.fe-budget-cost strong{\n  font-size:16px !important;\n  line-height:1.4 !important;\n}\n\n\n\/* MAIN INTRO TEXT *\/\n\n.fe-buyer-journey .fe-intro,\n.fe-adviser-intro,\n.fe-budget-intro{\n  font-size:17px !important;\n  line-height:1.75 !important;\n}\n\n\n\/* BUTTON TEXT *\/\n\n.fe-journey-button,\n.fe-adviser-button,\n.fe-budget-button{\n  font-size:14px !important;\n}\n\n\n\/* MOBILE *\/\n\n@media(max-width:600px){\n\n  .fe-buyer-journey p,\n  .fe-adviser-section p,\n  .fe-budget-section p,\n  .fe-journey-card p,\n  .fe-adviser-benefit p,\n  .fe-budget-card p,\n  .fe-expat-box p{\n    font-size:16px !important;\n    line-height:1.7 !important;\n  }\n\n  .fe-buyer-journey .fe-intro,\n  .fe-adviser-intro,\n  .fe-budget-intro{\n    font-size:17px !important;\n  }\n\n  .fe-budget-cost span,\n  .fe-journey-note,\n  .fe-adviser-small,\n  .fe-budget-note{\n    font-size:14px !important;\n  }\n\n}\n\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Free calculation No cost or obligation No account required Calculate instantly Based on 2026 rules Dutch mortgage rules How much mortgage can I get in the Netherlands? Your maximum mortgage depends on more than your salary alone. Your income, interest rate, financial commitments, whether you are buying alone or with a partner, and the energy [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12935,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-12897","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Calculate your maximum mortgage in the Netherlands. 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