Finance
Mar 26, 2023
The advantages of an independent advisor in the Netherlands
Are you looking to purchase a home in the Netherlands? If this is the case, one of the most essential choices you'll have to make is selecting a mortgage advisor and provider. While conventional banks are a popular choice, working with an independent mortgage adviser has several significant benefits. In this blog article, we'll look at the advantages of using an independent mortgage advisor rather than a conventional bank.
With 10+ years of experience in helping thousands of expats secure their dream home, Financial Consultancy Holland has so far an impressive track record. Our clients have a lower default rate than the average Dutch person. That's because expats tend to be responsible savers, rather than expecting a 100% mortgage. Plus, with good jobs at international companies, they're reliable when it comes to paying on time. And let's not forget the extra motivation to be good citizens - any criminal record could invalidate their visas!
Service that is tailored to each Expat
Working with an independent mortgage advisor will provide you with personalised service that is customised to your specific financial circumstance. Independent advisers, unlike conventional banks, are not beholden to any particular provider, allowing them to provide you with impartial guidance that is in your best interests. An independent adviser will listen to your financial objectives and suggest a financing solution that meets them.
So, don't settle for limited options when it comes to your mortgage! While a bank can only offer you its own products/ services, an independent mortgage broker via Financial Consultancy Holland has access to a wide range of banks/ lenders and options. And they don't just sit around twiddling their thumbs - they spend countless hours researching and updating their advisors on the best deals on the market.
With Financial Consultancy Holland, you have the flexibility to tailor your mortgage to your unique needs. Maybe you're expecting a bonus and want to pay down some capital. Or perhaps you're planning a renovation or want to make your new home more eco-friendly. Whatever your goals, there are options to increase your existing mortgage and achieve your dreams - all without any penalty fees. Trust us to help you find the perfect mortgage, insurance or personal loan solution.
Access to 30+ banks and lenders
One of the most significant benefits of working with an independent mortgage adviser is having access to a broader variety of banks and lenders. Unlike conventional banks, which typically only offer their own mortgage products, independent advisers have access to a wide range of banks and lenders. This means that we can assist you in locating a mortgage option that is both reasonable and fits your particular requirements.
More working flexibility
Working with a conventional bank can be inconvenient at times, particularly if you're balancing employment and other obligations. Independent mortgage advisers are frequently more accommodating in terms of timing, which means we can work with you at a time that is suitable for you. This can be at 9am to 5pm or in the evening. Our advisors can provide you with the freedom you need to get the work done whether it's early in the morning, late at night, or even on vacations.
Professional guidance throughout the entire process
Our independent mortgage advisers are specialists with years of experience assisting clients in obtaining mortgages. They understand the complexity of the mortgage market and can offer professional guidance customised to your specific circumstance. They can assist you in navigating the complicated paperwork and ensuring that you get the best mortgage answer for your requirements.
Option to choose from the lowest interest rates
We may be able to obtain better rates for you than a traditional bank because we have access to a broader variety of banks and lenders. This is due to our ability to search around for the best prices and negotiate on your behalf. Even a significantly lower rate can save you a substantial sum of money over the course of your mortgage and timeline, making it well worth contemplating an independent advisor.
The costs of an independent advisor
Are you worried about the extra costs for this service? Fear not! While costs like house evaluations, legal fees, and arranging a mortgage can seem daunting, many of these are actually tax deductible and will be paid back via the tax authorities. We have kept our basic rate of € 2.975 for starters to arrange a mortgage - while some banks have been raising their fees. The cost difference may be small, but the level of expertise and assistance you get with our independent advisors is invaluable and more to say priceless.
Get in touch with Financial Consultancy Holland
When purchasing a house in the Netherlands, selecting the correct mortgage source is essential. While conventional banks are a popular choice, working with our independent mortgage advisers has several significant benefits. They can help you obtain a mortgage that is both affordable and suits your particular requirements, from personalised service to access to a broader variety of lenders.
Do you have questions about your financial situation in the Netherlands or would you like to get in touch with us to talk about your options? You can do this via our contact form and we will contact you as soon as possible. Looking forward meeting you soon!
