At Financial Consultancy Holland, we explore all available options with you. When assessing your mortgage application, we consider not only your salary but also additional income sources—particularly valuable for entrepreneurs and self-employed individuals looking to maximize their borrowing capacity. Our tailored approach helps create extra financial flexibility, increasing your chances of securing your dream home. Collaboration is at the heart of what we do.
Additional services
Term life insurance €250 (one-time fee)
Bank Guarantee €350 (one-time fee)
The main types are annuity mortgages (annuïteitenhypotheek), linear mortgages (lineaire hypotheek), and, under strict conditions, interest-only mortgages (aflossingsvrije hypotheek). Each type has a different repayment structure and impact on your monthly payments.
Your maximum borrowing capacity depends on your gross income, financial obligations, and the market value of the property. Generally, you can borrow up to 100% of the property’s value.
NHG is a government-backed guarantee that provides extra security for both you and the lender. It often results in a lower interest rate and can protect you if you cannot pay your mortgage due to circumstances like divorce, job loss, or disability.
Yes, interest on your mortgage for your mainresidence is tax-deductible, provided the loan is used for buying or improvingyour home and is fully repaid within 30 years.
Expect to pay transfer tax (overdrachtsbelasting), notary fees, valuation costs, advice and mediation fees, and possibly a bank guarantee. These costs are usually 4–6% of the purchase price.
Yes, but you will need to provide extra documentation, such as annual accounts and tax returns for the past three years. Lenders typically assess your average income over this period.
The process generally takes 4 to 6 weeks fromapplication to final approval, depending on your situation and the lender’srequirements.
Commonly required documents include proof of income, recent payslips or annual accounts, identification, bank statements, and details of the property you wish to buy.
Most lenders allow you to repay up to 10–20% of the original loan amount per year without penalty. Early repayment above this limit may incur a fee.
Contact your lender as soon as possible. With NHG, you may be eligible for support. The lender will try to find a solution, such as a payment arrangement or, as a last resort, selling the property.
Energy-efficient homes may allow for a higher borrowing limit and sometimes qualify for a lower interest rate. There are also special loans and subsidies for making your home more sustainable.
With an annuity mortgage, your monthly payment stays (almost) the same, but the interest portion decreases over time. With a linear mortgage, you pay off a fixed amount of the principal each month, so your monthly payments decrease over time.
Yes, many banks offer mortgages to expats and non-residents, though extra conditions and documentation may apply.
You can fix your interest rate for a certain period (e.g., 5, 10, 20 years). During this period, your interest rate and monthly payments remain stable.
You can usually take your mortgage with you to a new property (portability), or you may need to repay your mortgage early, which could involve a penalty depending on your lender and contract.