What does mortgage advice actually mean?

You don't take out a mortgage every day, which is why our advisors will help you step by step with clear advice. We not only look at what is possible today, but also what suits your future.

How to buy a home
By Advisor: Chris Luiijf

How does mortgage advice work at van Loon

Our advice starts with your story. What do you want to buy, what do you earn and what monthly payment feels good? Then we compare all lenders to find the best match, both in terms of mortgage form and terms. This way, you know exactly where you stand and make a choice that suits your situation. Curious about how to buy a home? Check out the video on the right.

01

Acquaintance and orientation — We discuss your wishes and visualize your financial situation.

02

Calculate a mortgage — You get insight into the maximum amount you can borrow and what that means for your monthly payments.

03

Advice and request — We compare providers and supervise the application from start to finish.

04

Aftercare — Even after closing, we remain available for questions or adjustments.

Schedule an informal mortgage meeting

Van loon Gives you the best advice!

Personal & independent advice
We compare all lenders and find the mortgage that best suits your personal situation.
Always insight into your monthly payments
You know exactly what you can borrow and what that means for your monthly payments, now and later.
Everything well organized from A to Z
From the first meeting to signing with the notary: we make sure everything is correct and you have nothing to worry about.

Free Mortgage Check

Wondering how much you can borrow? We make a personal calculation based on your situation. Request your mortgage calculation for free now — normally this costs €300.

free calculation

What types of mortgages are there?

There are different types of mortgages, each with their own characteristics. Which one suits you best depends on your needs, income and future plans. Our advisors explain it clearly and help you choose.

Annuity Mortgage

Each month, you pay a fixed amount of interest and repayment together. In the beginning, you pay more interest, later more repayment. This way, you know exactly where you stand financially.

Linear mortgage

You repay a fixed amount each month, so that your interest rate decreases slightly each month. Your monthly payments therefore decrease as the term expires.

Amortization free mortgage

You only pay interest and don't repay. As a result, your monthly payments remain low, but you are left with residual debt at the end of the term. This form is only possible in specific situations.

Mortgage with NHG (National Mortgage Guarantee)

With an NHG mortgage, you have extra security: if your income falls due to illness or dismissal, for example, NHG offers a safety net. You pay a one-off premium for this.

Sustainability mortgage

Do you want to make your home more energy efficient? With a sustainability mortgage, you can borrow extra for insulation, solar panels or a heat pump, for example.

Starter or transfer mortgage

Especially for those who buy a home for the first time. Often with favorable conditions or a helping hand from the municipality or government.

Are you unsure which type of mortgage is right for you?

Schedule an informal mortgage meeting

What determines your maximum mortgage?

How much you can borrow depends on more than just your income. The current interest rate, the value of the purchased home and any excess value also play a role. An online calculation tool often only provides an overall estimate. Do you really want to know what is possible? Then we will be happy to calculate it for you personally.

Let us calculate your options

Every situation is different. That is why we always make a customized calculation, tailored to your income, wishes and future plans. This way, you know exactly what is feasible and where there is still room.

Get your mortgage calculated

Important factors when calculating your mortgage:

Your income — both fixed and flexible income counts, as does any partner income.
The interest rate — the lower the interest rate, the more you can borrow often.
The duration — usually thirty years, but shorter or longer affects your monthly payments.
Own money — savings or excess value reduce your monthly payments and increase your options.
Current loans — other financial obligations can lower your maximum mortgage.
Van Loon medewerker

Mortgage advice that suits your situation

Every home and every phase of life requires different advice. Whether you're buying a home for the first time or want to change your existing mortgage, we'll help you with honest, clear and independent mortgage advice.

Sleutels nieuw huis

Your first home? We'll help you get started

Find out what's possible with your income and what arrangements you can use.

Buying a first home
Stel in hun woning

From your old home to your new home

We calculate what you can take away from your current mortgage and what your new monthly payment will be.

What are your options in case of excess value
Chris Luijjf

Lower monthly payments? Check whether transferring pays off

We will calculate whether a new interest rate or term is cheaper for you.

Get your mortgage checked
Collega's in gesprek

Mortgage advice for the self-employed

More possible than you think — we look beyond your annual results.

Mortgages for entrepreneurs
Woning verbouwen

Finance your sustainability smartly

Discover how you can borrow extra money with your mortgage for insulation or solar panels.

Making it more sustainable? Don't forget this

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Always personal mortgage advice, near you

Whether you live in the west or south of the country, there is always a Van Loon advisor near you. From our offices, we help individuals every day with clear mortgage advice, tailored to their personal situation.

Our offices

Frequently asked questions about mortgage advice

Taking out a mortgage often raises many questions. Our advisors answer the most common ones so that you can quickly get clarity.

What does mortgage advice at Van Loon cost?

The costs depend on your situation and the complexity of the advice. During the first meeting, we always discuss what to expect. That way, you will never be faced with surprises.

When am I entitled to a National Mortgage Guarantee (NHG)?

You can take out a mortgage with NHG up to a fixed limit (the so-called NHG cost limit). The amount of this limit is revised annually. NHG offers extra security if your income suddenly falls, for example due to unemployment or disability.

What is the maximum amount I can borrow?

That depends on your income, the current interest rate and the value of the home. We are happy to calculate this for you during a personal conversation, so that you know what is really achievable.

Can I transfer my mortgage to another provider?

Yes, you can. Transferring can be beneficial if the current interest rate is lower than the interest rate on your current mortgage. We calculate for you what the possible costs are and whether it pays off.

What exactly does a mortgage advisor do?

A mortgage advisor compares different lenders, calculates your options and guides the entire process from first meeting to signing with the notary.

Collega's in gesprek

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