Mortgages
Are you buying your first home? Or maybe you want to live bigger, remodel or discuss your current mortgage situation? There are many different mortgage situations. Which one would apply to you?
Self-employed
It is often difficult for entrepreneurs to get a mortgage. Are you a self-employed person, entrepreneur with or without staff, freelancer or starting entrepreneur? With at least 1 fiscal year, it is already possible to get an business mortgage.
Expats
The most frequently asked question by Expats is, can I get a full mortgage? Different conditions apply to Expats from within and outside the EU. The conditions are also different for each lender.
Divorce
If you are getting divorced, there are a lot of arrangements to be made. Which options do you have and what steps should you take? There are 3 options:
- You stay in the house.
- You leave the house.
- The house is sold.
The most important question is “will you be able to get the mortgage”? If so, any existing mortgage should be put in your name. In this case, your partner will be released from his or her so-called joint and several liability.
Temporary employment and flex workers
Banks want certainty for the continuity of the mortgage payments. Without a permanent contract or without a declaration of continuation of employment from your employer, the bank will have too little certainty to grant a mortgage. However, based on your education, diplomas, your CV, the growth opportunities within your sector, your function level and possibly your own money, there are certainly possibilities.
Residence permit
There are many types of residence documents. Each bank has its own rules. Often people do not get a mortgage because they only have a temporary residence document, do not have permanent employment or are not married to someone with Dutch nationality. However, even then there are possibilities.
Consumption mortgage
Do you want to increase your spending power, but your money is in bricks? And do you have a relatively small retirement income? Then the endowment mortgage is the way to cash in on your surplus value. An attractive option to supplement your pension, pay for a renovation or make your home more sustainable, for example.
Rental mortgage
A rental mortgage allows you to buy a home and rent it out. For example, have you purchased a new home but want to rent out your current home? Or are you purchasing a second home specifically for rental purposes?
Most banks allow you to finance 80% of the market value in rental condition.
You will pay more mortgage interest for a property you rent out than for a property you live in yourself, because of the greater risk to the mortgage provider.
Making your home more sustainable
Do you want to make your home more energy efficient? Making your home more sustainable is good for both the environment and your wallet. By improving your home’s Energy Label, your home becomes more valuable. In addition, you save on your energy costs and often receive an interest rate discount on your mortgage.
Download the sustainability profile below. The report gives you concrete suggestions for energy saving measures in your situation.
Do you want free energie advice?