Mortgage advisor

Why a mortgage adviser?

Securing the right mortgage can be a challenging task. Whether you're a first-time buyer or looking to switch lenders, it's crucial to understand how much you can borrow and what savings you can achieve through a mortgage transfer. This is where a mortgage adviser comes in.

A mortgage adviser can provide valuable guidance on the best mortgage options and provides that match your unique financial circumstances and requirements. By leveraging their expertise and industry knowledge, a mortgage adviser can help you find the most suitable mortgage solution for your needs.

Mortgage adviser obligatory?

No, a mortgage broker is not compulsory when you are buying a house. Nevertheless, a mortgage consultant is very important in finding a suitable mortgage. An independent mortgage adviser considers will compare different mortgage lenders and mortgages for you.

Taking out a mortgage without mortgage advice is also possible; this is often called an execution-only way. You then pay the distribution costs for taking out the mortgage. But a whole article can be written about the pros and cons of this approach here.

Compare mortgage advisers

HuisAssist compares several mortgage advisers for free and without obligation. These mortgage advisers are free and work without mortgage lenders. This allows you to compare different mortgages from different mortgage lenders. This allows them to see which mortgage package best suits you.

The cost of a mortgage adviser

When it comes to the cost of a mortgage adviser, it's important to note the fees can be a significant variation. In addition to the mortgage adviser's fee, you may choose to request advice directly from a mortgage lender, you can also want to compare rates and services from multiple mortgage lenders, brokers, and independent advisers.

It's worth noting that if you're wondering whether you need to have your own additional mortgage. The cost of a mortgage adviser depends on various factors like down payment you can afford to make, your credit score, and other financial considerations.

One important thing to keep in mind is that you won't be charged VAT on the costs of mortgage advice, even if you ultimately decide not to take out a mortgage. If you seek advice about the possibilities of purchasing a home, you may be charged 21% VAT on the advisory fees.

Mortgage calculation Netherlands

Independent advice

HuisAssist provides a comparison service for independent mortgage advisers who have no contracts with specific mortgage lenders. This enables you to compare various mortgages from different lenders to determine which one suits you best.

They can help you:

• Find a suitable mortgage package
• Provide follow-up services after your mortgage adviser has accepted a new home loan
• Technical inspection support
• And more

Types of Mortgages in The Netherlands

When looking for a mortgage there are various types of mortgages. For each situation there are better mortgage options. Here is a list of type of mortgages in the Netherlands:

• Annuity mortgage
• Linear mortgage
• Rental mortgage
• Drawdown mortgage
• Credit mortgage