How can we help you?
During the years we recieved a lot of questions about buying a house in the Netherlands. Here you can find the most frequently asked.
Yes, you can get a mortgage without a permanent employment contract. Instead you need a continuation statement from your employer.
In 2019 you can buy a property up to €290.000 with Dutch National Mortgage Guarantee (NHG). If you are planning on investing in energy-efficient facilities for your home, the maximum permitted financing cost with NHG is €307.400. NHG is a guarantee that when you are into financial problems because of a divorce, sickness or unemployment you will get financial help by Stichting Waarborgfonds Eigen Woning. Do you still need to sell your house? The fund will help you. Because of the extra certainty, you get a discount on your mortgage rate.
The first thing you want to know when you are looking for a new house is: ‘How much can I borrow?’. The actual amount on a mortgage will be determined by your income and the value of the house you want to buy. The maximum mortgage obtainable is 100 percent of the purchase price. When you improve the house with energy-saving measures you can get 106 percent of the purchase price for a mortgage. There are a few other factors which will determine how much mortgage you can get. Make a first appointment with one of our advisors. It’s free and without obligation. Afterwards you know exactly how much you can borrow on a mortgage so you can start looking for a property you can afford.
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Yes it is possible to get a mortgage as a self-employed person after only one year of self employment. However it is better if you can show results for the last three years and forecasts for the following year. If it is possible to get a mortgage as e self-employed person and how much, depends on your personal situation. Our mortgage advisors can calculate exactly how much mortgage you can get.
Yes, also with a temporary residence permit you can get a mortgage. Better is if you have a permanent residence permit, but there are possibilities. But it is also depending on you nationality and employment contract if you can get a mortgage.
Yes, also as a starter there are possibilities to get a mortgage. But it depends on your personal situation like how much income do you have, do you have e permanent employment contract, did you save some money or how much student debt do you have. A mortgage advisor analyses your personal situation and can give you an idea of your amount on a mortgage.
If you have student debt and are planning to buy a house, the amount you can borrow on a mortgage will be lower, because you have to be able to continue your monthly student debt payments as well. Our advisors can tell you exactly how it affects your amount on a mortgage.
Besides the costs for mortgage advice and mediation there are a few extra cost factors to think about. The height of the costs partially depends on the purchase price. On average there will be 5% of the purchase price for extra costs like transfer tax, notary fee and Appraisal costs. These extra costs together with the fee for mortgage advice and mediation you need to pay with your own money. If you buy a new build property the purchasing costs will be payed by the vendor.
We charge a fee for our mortgage advice and mediation. How much depends on the kind of advice. It starts at € 2.495. Our advisors look at your personal situation. The more complicated, the more expensive the mortgage advice will be. In the first conversation with one of our advisors they will explain everything to you.
After 1 January 2013 you can only choose a mortgage you are paying off within 30 years. For these types of mortgage you pay monthly mortgage interest. But you will get a tax rebate on this paid interest. The balance between your monthly mortgage expenses and the tax rebate becomes your net monthly payment.
All our advisors have the right papers and are well educated to give you the best mortgage advice you need. Our advisors have many years of experience and have knowledge of different situations. They will listen carefully to your wishes and will show you all the options for your situation.
We work with an online system by webcam to give you mortgage advice wherever you want. A huge benefit of this kind of advice is that it’s very easy to explain difficult information about mortgages with you through a presentation which you will see on your screen. Besides that you also see your advisor so it’s still very personal.
The time it takes to have a mortgage application approved differs per situation. If you have a more complex situation it will take longer to analyze the situation. On average the whole process to have a mortgage application approved will take around five weeks. This includes the meeting with one of our advisors, analyzing your situation, collecting all the necessary documents and the process at the lender. Our assistants keep you updated during the whole process.
We work with a lot of banks so we can find all different kind of rates for you. Depending on your personal situation and wishes it may be better to fix the interest on the loan for a longer or shorter term. Our advisors can tell you exactly how it affects your amount on a mortgage and your monthly costs.
Since 2013, there are two main types of mortgages; an annuity mortgage and a linear mortgage.
The main characteristics of an annuity mortgage is that the monthly payments remain the same. At the beginning you will pay more interest and in the end you will pay more repayment. Because the interest is tax-deductible, you will pay less at the beginning than in the end.
The main characteristics of a linear mortgage is that the loan is repaid monthly in equal instalments. As a result will the amount of interest decreases every year. Over the whole term a linear mortgage will cost you less money on interest compared to a annuity mortgage.
We work with almost every bank and insurer to find the best mortgage for your situation. Every partner has its own conditions. We compare these conditions to find the financial product that fits the best to your recent situation as well as your future.