Hans Bond, independent mortgage and property adviser in Volendam, the Netherlands
Mortgage and property, handled by one adviser.
I arrange your mortgage with every Dutch lender and guide investment property purchases in the Netherlands, Spain and Dubai. One point of contact, from the first conversation to the keys.
Free, no obligation, 30 minutes online
- in mortgages and real estate
- 20+ years
- Dutch mortgage lender
- Every
- Netherlands, Spain and Dubai
- 3 markets
Where are you now?
I'm buying my first home
As a first-time buyer you want to know what you can borrow, what it really costs and how to bid. I calculate your maximum mortgage, check the NHG guarantee and the starter's exemption, and guide you to the keys.
- Maximum mortgage and monthly costs calculated
- NHG guarantee and starter's exemption from transfer tax (up to € 555,000 in 2026)
- Bidding strategy and support up to the notary
I want to move house
Moving is about timing and home equity. I map out what you can buy, what happens to your current mortgage and how to limit double housing costs.
- Home equity and taking your mortgage with you calculated
- Bridging loans and double costs clear in advance
- Comparison of every Dutch mortgage lender
I'm self-employed or a company director
Lenders assess business income differently. I know which lender will assess your annual accounts most favourably, even with a short track record, variable income or several companies.
- Income calculated from your annual accounts
- Lenders that assess entrepreneurs well
- Also with variable income or several companies
I need financing for my business
For business premises, working capital, an acquisition or growth, I compare banks, lease companies and alternative lenders. The financing check shows in two minutes which types fit your request.
- Free financing check for € 25,000 to € 5,000,000
- Banks, leasing, factoring and alternative lenders compared
- Business and personal financing aligned
I want to invest in property
A rental property needs a different mortgage and a return calculation that holds up. I help with strategy, choosing the property and financing, so it still pays off after costs and tax.
- Buy-to-let mortgage with the right lender
- Returns and cash flow calculated in advance
- Box 3 tax on investments and the choice between private or company ownership
I want to buy in Spain or Dubai
Buying abroad means different rules, costs and financing. Together with local partners I guide you from orientation to transfer, and arrange financing in the Netherlands or locally.
- Specialised in Andalusia, Dubai and Abu Dhabi
- Financing through your Dutch home or a local bank
- Local lawyers and notaries I trust
I want to remortgage or use my equity
Remortgaging or borrowing more doesn't always pay off. I calculate what it saves after early repayment penalties and costs, and how to use equity for renovation, repayment or a rental property.
- Early repayment penalty and costs weighed against the savings
- Rate averaging, remortgaging and increasing compared
- Using equity for renovation or investment
One adviser instead of four parties
How it usually works
Estate agent
sees the property
Mortgage adviser
sees the financing
Tax adviser
sees the tax
Local party
sees the foreign market
Four parties, four agendas. And you end up being the link that has to tie it all together.
With Bond Real Estate & Finance
- Strategy
- Choosing the property
- Financing
- Purchase and notary
- Letting and aftercare
- One point of contact who coordinates the whole process
- Financing and purchase fit together
- A network of notaries, lawyers and local partners
Three markets, one approach
Knowledge of the Dutch mortgage market, combined with a trusted network in Spain and the Emirates.
The Netherlands
From Volendam
Mortgages with every lender, investment properties and buy-to-let mortgages. In person in Volendam or online.
Spain
Andalusia
A second home or rental property in Andalusia, with local partners for selection, legal completion and management.
Dubai and Abu Dhabi
United Arab Emirates
Completed or off-plan property. Financing throughout Dubai and Abu Dhabi, or through the equity in your Dutch home.
About me
More than twenty years of experience, and an investor myself
I have worked in mortgages and real estate for more than twenty years, a large part of that at ING, where I guided hundreds of first-time buyers, movers and entrepreneurs. Today I advise independently, with access to every Dutch lender.
I have also invested in property myself for about ten years, from Amsterdam to Dubai. So I know not only how financing works, but also what it means to buy, let and manage a property.
- More than 20 years in mortgages and real estate
- Many years at ING
- Property investor in the Netherlands and abroad
- Independent, with access to every lender
More about meThe lowest rate isn't all that counts. What matters most are terms that fit your life.
How I work
- 1
Introduction
A free 30-minute online call about your plans and options.
- 2
Analysis
I map out your financial situation and goals in detail.
- 3
Advice
Independent advice with an objective comparison of every option.
- 4
Execution
I guide the application and purchase, all the way to the notary.
- 5
Aftercare
Afterwards I remain available for questions and improvements.
Free guides
From the knowledge base
Business and finance
Hypotheek als ondernemer: zo beoordeelt de bank zzp'ers en dga's
Hypotheek als zzp'er of dga? Zo berekent de bank uw toetsinkomen, wat startende ondernemers kunnen, welke documenten u nodig heeft en wat het kost.
6 min read, in Dutch
Property investment
Verhuurd vastgoed in box 3: zo wordt u belast in 2026 en daarna
Hoe wordt verhuurd vastgoed in box 3 belast in 2026? Forfait van 6%, leegwaarderatio, tegenbewijs en de plannen voor 2027 en 2028, met rekenvoorbeelden.
7 min read, in Dutch
Property investment
Eerste beleggingspand financieren: eigen geld, rente en rendement
Eerste beleggingspand financieren in 2026: hoeveel eigen geld u nodig heeft, de verhuurhypotheek, 8% overdrachtsbelasting, rendement en box 3.
9 min read, in Dutch
Frequently asked questions
All frequently asked questionsWhat does working with Bond Real Estate & Finance look like?
I guide you personally from the first conversation to the notary. It starts with a free 30-minute introduction. This is followed by an orientation meeting with a calculation of your maximum mortgage, an advice meeting with a full comparison, the application to the chosen lender, support during the purchase, the mortgage offer and the signing of the deed at the notary. You have one point of contact throughout.
Are you an independent mortgage adviser?
Yes. As stated in my comparison card (vergelijkingskaart), I give independent advice on mortgages and on insurance linked to the mortgage. This means I compare a sufficient number of providers and do not only advise on products from affiliated parties. I am not tied to any bank and have access to all Dutch lenders. Bond Real Estate & Finance holds its own licence from the AFM (the Dutch financial markets regulator), number 12050907.
What does mortgage advice from Bond Real Estate & Finance cost?
According to my comparison card, you pay an average of € 3,250 for advice and arranging the mortgage if you are employed and have not bought a home before, and € 3,500 if you have. For self-employed people, the averages are € 3,750 and € 4,000. The more complex your situation, the higher the price usually is. We agree the exact fee in advance. The introductory call is free.
How and when do I pay for the advice?
We agree the fee in advance. Under my general terms and conditions, it can be a fixed fee, an hourly rate or commission. You pay the invoice within fourteen days or on the agreed completion date at the notary. If you would like me to check periodically whether your mortgage still suits your situation, I charge an hourly rate for that ongoing service.
Are mortgage advice fees tax-deductible?
Yes, if the costs relate to financing your own home. Advice and brokerage fees, valuation costs for the loan and the notary's fees for the mortgage deed are then deductible in your tax return. This only applies if the loan is actually taken out or changed. Transfer tax (overdrachtsbelasting), estate agent fees and costs for an investment property in box 3 (the Dutch tax on savings and investments) are not deductible.
What should I bring to a meeting?
You do not need anything for the introduction. For the orientation meeting, it helps to have a recent payslip or employer's statement (werkgeversverklaring), or, if you are self-employed, your annual accounts and income tax returns for the last three years. Also bring an overview of your savings, student debt and other loans. If you already own a home, your mortgage statement or latest annual statement is useful.
Curious what's possible for you?
Book a free 30-minute intro call. You get an honest picture of your options straight away, with no obligation.