Step 1: Annuity Mortgage

Before you can make an offer for obtaining a mortgage, it's essential to determine how much you can afford. In an orientation meeting with an independent mortgage advisor, you'll discuss your income, borrowing capacity and provide information on different mortgage types that align with your financial situation.

Step 2: The advisory meeting

Once your offer for obtaining a mortgage is accepted and when you've signed the sales contract, schedule an advisory meeting with your mortgage consultant as soon as possible. During this meeting, important topics will be discussed:

Your financial situation about your new home and advice on the mortgage that best suits your needs
If your dream home exceeds your budget slightly, the advisor can provide insights into tax-free gifts, family loans, and joint and several liabilities
Insurance considerations such as death risk insurance, home contents insurance, building insurance, and disability insurance
The National Mortgage Guarantee (NHG), its conditions, and whether you qualify for it (to homes up to €605,000)
Renovations or sustainability improvements and the possibility of borrowing an additional amount for these purposes

Step 3: Interest rate offer

Following the advisory meeting, your advisor will provide a personal financial advice report. If you agree with the proposed or obtained mortgage, the advisor will request the BLG Interest Rate Offer, which includes an interest rate proposal and a list of required documents for the mortgage application.

The mortgage lender will assess your application based on the information provided by your advisor, including your income, property details, and other relevant factors. They'll check your Krediet Registratie (BKR). Once everything is in order, you'll receive the BLG Interest Rate (typically within two working days), valid for fixed period.

Step 4: Required documents for your mortgage application

To finalize your mortgage application, the lender will request specific documents. Refer to the BLG Interest Rate Offer for a comprehensive overview of the required documents. Some and personal information is typically the most important, to make sure to clarify the expectations with your mortgage advisor.

Taking out a mortgage involves several steps and document submissions, but with the guidance of HuisAssist, you'll have the support and information you need to navigate the process smoothly.

Step 5: Mortgage approval

After you have submitted all the required documents, the mortgage application will be assessed. If everything is in order, you'll receive the final offer, also known as the lending offer, through your advisor. In consultation with the mortgage lender, the quicker you'll receive the notification.

You will have a two-week timeframe to review and sign the offer. Once the signed offer is received, the financing is officially approved, and you can proceed with the sale.

Step 6: Heading to the notary for the transfer

With your mortgage approved, it's time to involve the notary who will handle the necessary paperwork. The notary will prepare the mortgage deed and the final bill. At the settlement, the notary will document the incurred costs and specify the amounts to be paid or received each party involved.

Your advisor will inform you that you and the seller can schedule an appointment at the notary to sign the deed of transfer. During this appointment:

The notary will oversee the transfer of the house, documenting it in the records
Conveyancing deeds will be signed
You'll sign the mortgage deed and the deed of pledge (if there is a mortgage-linked life insurance)
The mortgage-related terms, which include the amount, payment method, term, and interest rate, will be finalized

Need help with finding a mortgage advisor?

We provide you with free advice for the best mortgage advisors.

Obtaining a mortgage