22/08/2026
Maximum Mortgage
A conflict 5,000 km away is sitting in your mortgage offer.
Tankers can’t move freely through the Strait of Hormuz. Shipping in the Red Sea is under attack. Refineries in Russia and Ukraine are being hit. Oil is up almost 40% in a year and energy prices feed inflation, inflation feeds the capital market rate, and the capital market rate sets what you pay on a 10-year fixed mortgage.
That rate is now at its highest level since 2011. And the margin lenders normally use to absorb a rise? It’s roughly half its usual size.
Rule of thumb: every 1% on your rate costs you around 10% of your maximum mortgage. That’s budget gone before you’ve made a single offer.
You can’t control the Strait of Hormuz. You can control how well prepared you are.
➡️ Calculate your maximum mortgage — 2 minutes, no paperwork
https://www.europeaninsurance.nl/en/mortgages/calculate-maximum-mortgage
➡️ Or book a free call with an English-speaking mortgage advisor
Link in bio, or DM us “MORTGAGE”.
https://www.europeaninsurance.nl/en/mortgages
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