What are closing costs (kosten koper)?

Anticipate approximately 4% to 6% in ancillary costs (notary, valuation, advisory fee, and transfer tax if applicable).

Can I qualify with a temporary employment contract?

Yes, with a formal letter of intent from your employer or a prospective statement, obtaining a mortgage is very feasible.

What is NHG (National Mortgage Guarantee)?

NHG provides public default protection and grants access to substantial interest rate discounts from banks.

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Financing Solution

Mortgage

Expert, independent advice for buying your dream home or refinancing an existing mortgage.

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Home & Property

Mortgage

Your first home, a move or refinancing. We guide you through every step.

Overview & Features

What does our mortgage service entail?

A mortgage is a long-term loan secured against real estate. It represents the single most significant financial commitment for most families. Alle Lening Dienst compares dozens of major banks and lenders to identify optimal fixed-rate periods, repayment structures (annuity, linear), and tax deductions.

Independent lender comparison

We survey dozens of mortgage lenders to secure the lowest possible interest rate.

Maximized borrowing capacity

Precise calculation of your maximum borrowing potential based on combined household income.

Dedicated advisor

One trusted specialist who supports you from property viewing to signing at the civil notary.

Suitable for

Guidance for purchase or refinancing
Explanation of fixed-rate periods
Personal advice for your situation

How it works

The mortgage journey step by step

Clear milestones from preliminary orientation to key handover.

Intro & Calculation

We compute your maximum mortgage capacity and indicative payments in an initial consultation.

File compilation

Together we assemble payslips, employer declarations, and appraisal reports.

Binding offer & Approval

You select the optimal banking offer and receive the lender's binding commitment.

Notary & Keys

Sign the mortgage deed at the notary and receive the keys to your new home.

Frequently Asked Questions

Questions & Answers

A mortgage is one of the biggest financial decisions of your life. We help you understand the options and guide you from orientation all the way to the notary.

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In the Netherlands, you can typically borrow up to 100% of the certified property value, based on your qualifying income.

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Submit your non-binding application — Mortgage

Calculate your proposal and apply immediately. No obligation, response within 24 hours.

Ready to take the next step?

Start your application with no obligation, or ask us your question first. We're happy to think along with you.

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