Request your advice consultation.
Discuss all your options with an independent mortgage adviser. Free and without obligation, even at your own home.
Our mortgage advisers can help you with topics such as the following:
- What is your maximum mortgage?
- You want to refinance your mortgage. What will the new monthly payments be? What are the costs?
- Moving house? Take your current mortgage with you or take out a new one?
- You want to renovate and find out what your options are.
- You are getting divorced and want to know what your options are for the mortgage.
- All your other questions!
An independent adviser or a bank?
Most people who want to buy a home will need a mortgage. More than 90% of people talk to an adviser about this. You can do this at a bank, or with an independent mortgage adviser. What will you choose?
Both options have their pros and cons. We think that, as with most purchases, it is always good to compare several products. An independent mortgage adviser is well suited to this.
Do you want to refinance your current mortgage with the same bank? Then comparing mortgages is less important. Even so, it is good to check whether there are other options.
Where do you start?
When you decide to take out or refinance a mortgage, you often start with a calculation. You can calculate a mortgage online, but in practice we see that this does not provide all the information you need. When you want to know exactly what your options are, it is best to schedule a mortgage advice consultation.
That way you can map out all your options together with a specialist. With this information it is easier to make a suitable choice. Not satisfied after the first free consultation? Then you can always consult another adviser for a second opinion.
What does mortgage advice cost?
Most parties initially offer a free, no-obligation mortgage advice consultation. In this consultation an adviser explains what he or she charges for a mortgage and why. Average advice costs range from around 2,200 to 2,800 euros.
The costs for independent advice depend on the party and often also on your situation. For example, an adviser's rate may be higher when you have your own business. If you are a first-time buyer, the rate will be lower.
What should I look out for?
When you take out a mortgage the cost of the advice plays a role, but it is perhaps even more important that you have the best-fitting mortgage. For most people a mortgage is the largest loan they will ever take out. If you opt for cheap advice but end up paying a slightly higher interest rate as a result, you often pay more by the end of the term.
So make sure you look not only at the price of the advice, but also at its quality. Here the mortgage interest rates, as well as the conditions of each mortgage provider, play a major role.
Three steps to clarity
Enter your details
Your income, any partner, and your preferred fixed-rate period. No passport or BSN needed.
See your maximum amount
We calculate using the 2026 Nibud standards and the current rates of more than 40 providers.
Talk it through with an adviser
Want to dig deeper? We connect you, with no obligation, to an independent adviser near you.
A clear picture straight away
No sales talk, no obligations. Just the figures you need to move forward.
On a single screen you see
The full result of your calculation, clearly laid out and in plain English.
- Your maximum mortgage amount
- The matching gross and net monthly payments
- An indication of the interest rate per fixed-rate period
- Whether NHG is achievable for your situation
Everything about calculating your mortgage
Speak to an independent adviser
Schedule a free, no-obligation conversation with an adviser near you. No commitments, no sales talk.