Independent mortgage advice for individuals and entrepreneurs

I advise on and arrange annuity mortgages, linear mortgages and interest-only mortgages. Savings mortgages (spaarhypotheek) now only exist as part of mortgages taken out before 2013; I take those into account when you remortgage or move. I do not advise on investment-linked mortgages (beleggingshypotheek), life insurance-linked mortgages (levenhypotheek) or credit-line mortgages (krediethypotheek). To qualify for mortgage interest relief (hypotheekrenteaftrek) on a new mortgage, you must repay on an annuity or linear basis within 30 years. I also advise on term life insurance (overlijdensrisicoverzekering) and mortgage payment protection insurance (betalingsbeschermer).

With an annuity mortgage you pay the same gross amount every month. At first that is mostly interest, later mostly repayment. With a linear mortgage you repay a fixed amount every month, so your monthly payment falls over time. Linear starts with higher payments, but you pay less interest overall. Both types qualify for mortgage interest relief.

That depends on how much certainty you want and what you expect over the coming years. A longer fixed-rate period gives certainty about your payments, but usually comes with a higher rate. A shorter period is cheaper, but you run a risk if rates rise. With a period shorter than ten years, the bank also assesses your borrowing capacity using a test rate set by the AFM.

Because the terms determine what a mortgage is worth when your life changes. Think of penalty-free repayment, taking the mortgage with you when you move, room to finance a renovation and the treatment of a second home. A rate advantage of a tenth of a percentage point rarely outweighs a mortgage that cannot adapt later. That is why I always compare rates and terms together.

Yes, subject to conditions. As a rule, you can borrow up to 100% of the home's value, but exceptions apply to energy-saving measures. With the National Mortgage Guarantee (NHG), the loan in 2026 can go up to € 498,200 if the part above € 470,000 goes entirely to energy-saving measures. For the application you need an energy label or renovation plan and a specification for the construction deposit (bouwdepot).

I remain available after the notary as well. If your situation changes, for example because of a new job, a growing family or a renovation, get in touch, because your mortgage may no longer fit. An orientation meeting is always possible. If you would like me to review your mortgage with you periodically, that is available as an ongoing service at an hourly rate.