Frequently Asked Questions – Mortgages

The cost depends on the complexity of your situation. We offer a partnership with a trusted mortgage advisor.

A mortgage advisor assesses your financial situation, calculates your maximum borrowing capacity, and advises you on the mortgage type and lender that best suit your needs.

It is wise to do this before you start your search for a new home. That way, you'll know exactly what you can borrow and won't have any surprises.

The National Mortgage Guarantee (NHG) is a safety net when taking out a mortgage of up to €450,000 (limit in 2025). If energy-saving improvements are included, you can borrow up to 6% more, bringing the maximum to €477,000.

If you choose a mortgage with NHG, you’re borrowing responsibly with extra security. As a buyer, you face less financial risk and often qualify for a lower interest rate. If you are no longer able to pay your monthly mortgage due to, for example, disability or unemployment, and are forced to sell your home, NHG (the Homeownership Guarantee Fund) may help cover any remaining debt—under certain conditions.

In 2025, when taking out a mortgage with the National Mortgage Guarantee (NHG), you pay a one-time guarantee fee of 0.4% of the mortgage amount. This fee is tax-deductible.

Choose a (reliable) mortgage lender by looking not only at the interest rate, but also at the terms—such as penalties for early repayment and flexibility if your personal situation changes. Read reviews to get an idea of the level of customer service. An independent mortgage advisor can help you make the best choice for your specific situation.

The exact processing time depends on your personal situation, but on average an application takes about six weeks.

The most common types are annuity, linear, and interest-only mortgages. Your financial advisor will go over the different options with you.

Annuity and linear mortgages are tax-deductible, provided you repay the loan and meet the applicable tax conditions.