Do you have questions about taking out mortgage? During a free online introductory meeting, our independent mortgage advisor will be happy to tell you what your options are. After this conversation, you know exactly what you can borrow and which houses you can bid on. If you send us some information through the form, your mortgage advisor can help you optimally. 

Hereby, how you take out mortgage step by step:

Free Introductory Meeting via the Internet

Do you want to know if online mortgage advice is something for you? Then try it out for free. Just provide us your information from the mortgage calculator form. One of our mortgage adviser will get noticed. Before you receive mortgage advice via the Internet, you should first get to know your mortgage advisor. This introductory meeting (via e-mail, phone, or video call) is free and without obligation for you.

During the free introductory meeting via the Internet, your mortgage advisor will discuss with you what you can do. After a global inventory of your financial situation, your mortgage advisor will provide information about your options. Your mortgage advisor calculates exactly how much you loan you can make based on your income and the value of the house. Whether you have savings and / or debts is also important.

You can read more information about the services and the costs in the service document (DVD in Dutch) and the service guide. You will receive this information in the confirmation e-mail of your request for a free introductory meeting via the Internet. You can also download the documents from our website.

The quality of mortgage advice via the Internet is identical to regular mortgage advice. The main difference is that contact takes place via telephone and the Internet (computer with webcam). The process is much more efficient than with regular mortgage advice, which is why mortgage advice via the Internet is a lot cheaper.

Mortgage advice via the Internet

Is mortgage advice via Internet for you? Then you continue with the online advice process with your mortgage advisor. Your mortgage advisor is legally obliged to advise you on a mortgage that is fit for you. That is why your mortgage advisor first thoroughly analyzes your financial position, wishes, objectives, risk appetite, knowledge and experience.

Mortgage advice via the Internet

Questions and topics you can expect

For example during mortgage advice via the Internet

  • Are you buying your first house in the Netherlands? Have you had a mortgage before?
  • What financial and personal wishes do you have? What should your mortgage advisor take into account in the advice? For example, (early) retirement, the desire to have children, working less, expensive hobbies or your own business.
  • Are you on debts? Have you have payment problems with a loan? Do you have a student loan?
  • How much savings do you have? Do you need your savings to buy the house? Do you have sufficient savings for your later expenses?
  • What form of society do you have? What does this mean for your mortgage?
  • Have you ever been divorced? If so, what are the consequences for your mortgage?
  • What risks are you willing and able to take? For example, if you opt for a short fixed-interest period – the period in which your interest rate is fixed – you only have certainty about your monthly payments for a short period.

Mortgage selection

You will receive advice after your mortgage adviser has obtained a good picture of your personal situation. The mortgage matches as closely as possible. The interest rate is of course important when selecting a mortgage. Your mortgage advisor also looks at the conditions of the mortgage product. For example, do you opt for a long fixed-interest period and do you want to be able to take your mortgage with you to your next house when you move? Then this must be a condition of the mortgage.

In addition, your mortgage adviser will advise you on a mortgage construction that suits your situation. Your mortgage adviser takes into account all kinds of tax conditions when constructing a mortgage. Finally, you will receive a digital advisory report. You can read the advice again at your leisure after the conversation.

Closing your mortgage

Do you agree with the mortgage advice? Then your mortgage adviser will apply for the mortgage for you from the mortgage lender. Your mortgage advisor will also request quotes for additional products, such as term life insurance.

Before your mortgage advisor can apply for a mortgage for you, you must first provide a number of mortgage documents. Your mortgage advisor needs these mortgage documents for good advice. Your mortgage lender needs the mortgage documents to be able to make a mortgage offer for you. Download a handy checklist with mortgage documents (in Dutch) that you need to apply for your mortgage.

If the mortgage lender agrees with all mortgage documents, you will only receive a mortgage offer. We will send you the mortgage offer as soon as possible. You have 14 days from the quote date to accept the mortgage quote. If you accept the offer, you will receive the mortgage.

Please inform us the name of your notary and the passing date as soon as possible. With this information, the mortgage lender can prepare the passing documents for the civil-law notary.

Aftercare

It is wise to discuss changes in your life situation with your mortgage adviser, so that your mortgage remains in line with your situation.

Example of situation changes

  • you are having a child
  • you are going to live together
  • your partner has passed away
  • you are going to start for yourself
  • you have became unemployed
  • you are going to work abroad
  • you have received an inheritance

That is why you make individual agreements with your mortgage adviser about aftercare that you want to receive in the future and the costs thereof. For example, you can arrange an annual update meeting.

Calculate mortgage

Calculate the cheapest mortgage for you now. The calculation is free of charge and without obligation. Your details remain unknown to us until you decide to request a free consultation.

The first consultation via the Internet at HypotheekOnline.nl is always free and without obligation.