A successful search starts with clarity. What type of property suits you – new build or existing? How much can (and want) you spend monthly? Think long-term too: leave room for holidays, hobbies, and unexpected expenses.
Calculate your maximum mortgage
Use our online calculator for a quick estimate. Prefer personal advice? Book a free consultation. We’ll give you a clear overview of your possibilities.
Now that your budget is clear, you can focus on finding a home that suits you – either on your own or with a buying agent. Websites like Funda show current listings throughout the Netherlands.
💡 Pay attention to the energy label. 👉 Learn more: Energy Label & Mortgage
Have you viewed the home and can already picture yourself living there?
Then it’s time to make an offer – either independently or through a buying agent.
Review recent sale prices in the area and take into account any renovation or repair costs. This way, you can make a well-informed and realistic offer that suits your financial situation.
Important Conditions
To limit potential risks, it’s wise to include the following conditions in the purchase agreement:
Financing clause – Allows you to cancel the purchase if your mortgage application is denied. This requires a formal rejection letter from the lender.
Structural inspection – Provides insight into the property’s condition. If significant issues are found, you can renegotiate the price or withdraw from the purchase.
💡Always include a financing clause. It protects you from financial consequences if your mortgage is not approved.
Offer accepted – congratulations!
You’re now ready to sign the preliminary purchase contract. This document records all agreements made. After signing, you have a 3-day statutory cooling-off during which you can cancel the purchase without any cost.
💡 Contact us right after signing so we can start your application and ensure everything is arranged on time.
With the contract signed, we get to work. At Home Financials, you receive independent, personalised mortgage advice tailored to your financial goals and plans. We compare over 30 lenders – not just on interest rate, but also on terms that make a real difference for you.
What to expect from us:
Clear insight into your borrowing capacity
Personal advice based on your goals and future
Risk analysis (e.g. job loss, disability, retirement)
Full coordination with your agent, appraiser, inspector, lender, notary, insurer, and interpreter.
✅ From your mortgage application to the moment you receive the keys – we guide you every step of the way.
Once your mortgage is approved, we’ll look at which insurances you need to protect your home and belongings. A building insurance is required when taking out a mortgage. It covers damage to the structure (e.g. fire, storm, water damage).
Additional insurances such as contents or liability coverage may also be recommended, depending on your situation.
💡We advise you personally and arrange everything – so your home is well protected before you even receive the keys.
Is your mortgage approved? Then you’re ready for the final step.
We ensure all documents are submitted to the notary on time. The notary prepares the mortgage deed, deed of transfer, and final settlement. During the appointment, you sign everything and the property is legally transferred to your name.
🎉 Congratulations – your new home is officially yours!
Heb je een vraag?
Bel: +31 621227373
Mail naar: info@homefinancials.nl
Erkend Financieel Adviseur (SEH)
Onze adviseurs zijn SEH-gecertificeerd en volgen jaarlijks bijscholing.
Zo ben je verzekerd van deskundig, betrouwbaar en actueel advies.
