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Mortgage advice that fits your life

At de Financieel Planner, you get mortgage advice that goes beyond interest rates and terms. We look at your life now and later. Whether you are buying your first home, moving on, renovating, refinancing or investing in a property: we help you make clear choices, without any hassle.

First home for sale

Your first home, with a mortgage you're comfortable with

First home for sale

Next Step

Taking the next step, with a mortgage that grows with you

Next Step

Remodel or preserve

With a mortgage that's right

Remodel or preserve

Transfer

Refinancing your mortgage: to do or not to do?

Transfer

Withdrawing surplus value

What is possible and what is wise?

Withdrawing surplus value

Breaking up

What does that mean for your home and mortgage?

Breaking up

Funding

Financing for investment property or commercial property

Funding

First home purchase

Buying your first home is a big step. Of course you want to know the maximum amount you can borrow. But even more important is the question: what do you feel comfortable with?

Maybe your income will increase in the future. Maybe you will work less due to family expansion. That is why we look not only at what is possible now, but also at what will be sensible later.

At de Financieel Planner we clearly map out your financial situation and wishes. So you know before you start bidding:

  • in which price range you can safely search
  • what one-off costs and monthly charges are involved
  • which points of attention apply specifically to your situation

We compare more than 45 lenders and make the small print big. Not only the interest rate is important, but also the conditions. Think about what you can do if you become an entrepreneur, want to withdraw surplus value or are going to work abroad temporarily. This way you avoid unpleasant surprises later on.

We arrange the mortgage application from A to Z. You don't have to go to the bank yourself. You have more time and space to focus on the fun things around your new home.

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Your situation

We help with various forms of income, including:

  • Income from employment
  • Income from your own business
  • (Approaching) pension
  • Other income (such as benefits or rental income)

Together, we choose the mortgage that fits your life, now and later.

Taking the next step, with a mortgage that grows with you

Buying your next home often feels different from your first home. You already have a mortgage, possibly a surplus value and perhaps other wishes: more space, a garden, a different city, or life-proof living.

At de Financieel Planner we look not only at what is possible now, but also at what is sensible in the long term. We take a close look at your current mortgage, examine the possibilities regarding your surplus value and examine what options you have for a new loan.

What do we look for?

  • Can you carry your existing interest to the new home?
  • Is your current mortgage still appropriate, or is it more advantageous to choose something else now?
  • What does the new mortgage mean for your monthly expenses and future plans?

We compare more than 45 lenders and make the small print big. That way you know exactly what you're saying "yes" to. We handle the entire application and coordination with bank, notary and any other parties for you. You don't have to go to the bank yourself.

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Remodel or preserve with a mortgage that's right

Do you want to extend your home, refurbish it or finally make it your own? Or are you thinking about making it more sustainable, so that your energy costs fall, your living comfort improves and your home increases in value?

In many cases it is possible to increase your existing mortgage or take out an extra loan for renovations or sustainability. We clearly explain:

  • what possibilities there are
  • The monthly costs involved
  • what risks and concerns are involved in your situation

Together we look at whether renovating is financially smarter than moving, or vice versa.

If you choose to renovate, we will arrange the mortgage application from start to finish. You can worry about the layout, colors and materials.

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Refinancing your mortgage: to do or not to do?

When you refinance your mortgage, you pay off your current loan and take out a new mortgage with a different lender. This can be financially attractive, but not always.

At de Financieel Planner, we make a clear over-loan analysis. We contrast the benefits of a lower interest rate and better terms with:

  • the one-off costs
  • possible penalty interest
  • additional notary and advisory costs
You get a clear overview of the advantages and disadvantages in your specific situation. If it turns out to be interesting to refinance, we will arrange the new mortgage and coordinate everything with:
  • your old lender
  • your new lender
  • the notary
    insurance companies involved

This way you can be sure that the choice you make is right for your goals and feelings.

Absorbing excess value: what is possible and what is wise?

Is the value of your home higher than your mortgage? Then you have a surplus value. It may be interesting to withdraw part of it, for example to

  • Renovate or preserve
  • Buy a recreational home
  • give (part of) the surplus value to your children
  • supplement your pension

Whether and how much you can withdraw depends on your situation and the conditions of the lender. These rules differ from one provider to another.

We map out your options and clearly explain the consequences for

  • your monthly costs
  • your tax position
  • your future plans

In this way you can make a conscious choice as to whether withdrawing a surplus value suits your goals.

Breaking up: what does it mean for your home and mortgage?

Separating often brings a lot of emotions and uncertainty. In addition to all the personal choices, financial questions also come into play:

  • What happens to the house?
  • Can either of us continue to live?
  • How do we divide the surplus value or residual debt?
  • What does this mean for the children?

It may be possible for one of you to stay in the home. In that case, the home (and mortgage) is put in the name of the one who continues to live, and the other is entitled to his or her share of the excess value.

It is wise to have agreements you make together, for example with the help of a mediator, reviewed by a financial specialist. In this way, you avoid having agreements on paper that one of you later becomes financially strapped.

At de Financieel Planner:

  • we look at the financial agreements in (draft) covenants
  • help you both think about how you can move forward financially
  • we will help you modify or apply for a mortgage
  • We support you in the process towards the notary and the lender.

In this way you will at least have clarity on the financial side during a difficult period.

Financing for investment property or commercial property

Are you a business owner currently renting a commercial property and considering buying? Or do you have a rental property and wonder if financing could be smarter?

At de Financieel Planner, we look at:
  • your current financial situation
  • the value and rental income of the property
  • the consequences for your cash flow
  • the long term: risks, returns and flexibility

There are various forms of financing for investment and business premises. We will clearly map out your options and discuss which variants best suit your goals.

We then arrange financing with the party most appropriate to your situation. Again, we take as much out of your hands as possible, so you can focus on your business.

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Our method in steps

Financial understanding

We bring your income, expenses and future plans into focus. You will gain insight into:

  • the possibilities you have
  • the most important points of attention
  • the one-off costs and the monthly expenses

Wishes and living comfort

Together, we'll see what your needs are and what level of living expenses you feel comfortable with. That way you will know in which price range you can start looking in a targeted way.

Financing Guarantee

If you qualify for a Financing Guarantee, you can buy a home with extra security and often without a financing condition. This makes your offer more attractive to sellers, because they quickly have clarity.

We look at your situation:

  • whether you qualify for the Financial Guarantee
  • Up to what purchase price you can offer responsibly

We explain exactly what this means in your situation, so that you can make an informed choice.

Buying another house

For clients who already have a home and want to move on, we look at the current mortgage, any excess value and the potential to move on to the next home.

Preserving and remodeling

Do you want to remodel or preserve, now or in the future? We'll discuss how to smartly factor this into financing and what choices are appropriate.

Your new mortgage

Based on your needs and situation, we make a selection of the best suited lenders. We discuss:

  • the interest rate
  • the conditions
  • the advantages and disadvantages per provider

You receive a clear financial report in which all calculations and choices are explained. Take your time to go through everything. As soon as you are ready to take the step, we will start the mortgage application.

We take as much work off your hands as possible and maintain contact with:

  • the lender
  • insurance companies
  • notary
  • appraiser
  • broker

Throughout the process, we will keep you informed of progress.

The property is yours

Is the mortgage finally approved? Then we schedule an appointment where we go over the mortgage agreement together. When everything is clear and feels right, you sign the documents.

We then coordinate everything with the notary and check the file. On the day you get the key, everything is financially settled.

Ready for clarity on your mortgage?

Schedule a no-obligation mortgage consultation

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