FAQ

Taking out a mortgage is not something you do on a daily basis. We try to answer many of the questions you have during the advisory meetings. Of course, it can happen that you have forgotten the answer afterwards or that it has not been discussed.

Below are the most frequently asked questions per category:

Advice and mediation costs

Q1. Is the first mortgage call without obligation?

A. Yes, we will take care of the costs for the first appointment. During the interview we explain the advice & mediation costs.

Q2. What are the consultancy and mediation costs and from when will I pay them?

A.The advice & mediation costs differ per situation. You will find an indication of the costs per category on the website under advice & mediation costs. We will communicate clearly from which moment you owe these advice & mediation costs.

Q3. Why are the consultancy and mediation costs for a self-employed entrepreneur higher?

A.The application and mediation of an independent entrepreneur is more complex and therefore more time-consuming. This leads to extra work, which results in a higher fee.

Q4. Why are the consultancy and mediation costs higher for a transferee?

A. Most people who move on qualify for the transitional rules. Exactly what this means will be discussed during one of the advisory meetings. In short, you may take your old mortgage forms with you to your new home. This creates extra work, which results in a higher rate.

Mortgage

Q1. What am I going to pay in interest?

A. This is different for each lender. Each lender has its own interest rate policy and risk classes. The differences per lender are large and absolutely worth investigating.

Q2. Is it possible to buy a house in the Netherlands with a foreign income?

A. Yes, this is possible. However, not at every lender. Please contact us by phone to discuss your situation.

Terms and Conditions

Q1. My old house hasn't been sold yet, can I buy a new one yet?

A. In some situations this is possible. This depends on the market value of the old property and income.

Q2. How much mortgage am I allowed to repay each year without penalty?

A. Most lenders apply a percentage of 10% of the original amount per year.

Q3. Can I retain and rent out my old home?

A. You are not allowed to rent out your own home without permission from the lender. Unless you have a special investment mortgage.

Other

Q1. How do I get my tax benefit monthly?

A. After the transfer of the property has taken place, you must submit a 'request or change provisional assessment' to the tax authorities. Ask us about the possibilities. We will be happy to put you in touch with them.

Q2. How long does it take before I have a mortgage?

A. Unfortunately, there is no unambiguous answer to this question. Good preparation is half the work.

Q3. What happens after my mortgage application has been definitively accepted by the lender?

A. Once your mortgage application has been finally accepted by the lender, the notary instructions will be sent by the lender to the notary provided. Based on these instructions the notary can draw up a draft mortgage and delivery deed.

Q4. Do I have to pay the invoices for the valuation report, structural inspection, notary, estate agent and mortgage advisor myself?

A. Most invoices are paid by the notary on the day of transport. It may happen that the appraiser asks you to pay earlier. In that case, please consult with the advisor.