Different mortgage types at the HypotheekXperts

If you choose mortgage advice from the HypotheekXperts you will receive professional and independent advice on which mortgage best suits your situation and what the monthly costs will be. Each mortgage we advise is tailor-made.

Mortgage advice is truly customized because every financial situation is different. Which type of mortgage best suits you depends on a lot of factors. For example, your monthly costs will depend not only on the current interest rate, but also on the mortgage form you choose. Sometimes a combination of different mortgage forms is the best option.

Do you want to know exactly how much you are spending each month? Do you want to repay as quickly as possible? Or do you want to pay as little interest as possible? Maximize that mortgage interest deduction while you still can? Are you a starter in the housing market? Or have you bought a house before?

Make an appointment soon for a free introductory consultation, and together we will see what is best for you.

Repayment-free mortgage

With an installment-free mortgage, you pay only a monthly amount of interest on the amount you borrowed. At the end of the mortgage term, you repay the amount borrowed in one lump sum.

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Linear mortgage

If you have a linear mortgage, then you pay the same amount in repayments every month. Because you repay more in the beginning than with an annuity mortgage, the amount of interest you have to pay on the loan decreases faster.

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Investment mortgage

The monthly amount you pay with an investment or investor mortgage is invested. At the end of the mortgage, the results of those investments are used to pay off the mortgage. No repayments are made during the term of the mortgage.

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Annuity mortgage

Do you choose an annuity mortgage? Then you know exactly where you stand every month, because you pay a fixed amount every month as long as the interest rate of your mortgage is fixed. Part of the monthly amount consists of interest and part of repayment, so that at the end of the term of the annuity mortgage you have repaid the entire amount borrowed.

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Savings mortgage

With the savings mortgage, the amount you pay each month is put into a capital insurance policy. The money saved is used at the end of the term to pay off the mortgage. It is no longer possible to take out a savings deposit mortgage. Do you have a savings deposit mortgage and want to switch to another type of mortgage? Then contact us to see what the possibilities are.

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National Mortgage Guarantee

If the house you are buying and the mortgage meet the conditions for National Mortgage Guarantee (NHG), your lender will have the guarantee that your mortgage will be repaid, should something happen that makes it impossible for you to continue to pay. Is there a residual debt when the house is sold? Then the National Mortgage Guarantee will take it over from you.

Calculate maximum mortgage?

Want to know in advance what you can borrow approximately to buy a house?
Then take advantage of the handy calculation tool on our website.

Contact

Can't figure it out or have another question? Feel free to contact us and we will try to help you as soon as possible.

E-mail: Info@hypotheekXperts.nl

Whatsapp: +31 6 28691017

Calling: +31 6 28691017

Have questions or are you ready for an interview?

Want more information or ready for an enlightening conversation? We are here to help you! Contact us for personalized, customized advice and let's work together to find the perfect mortgage and insurance for your dream home.

Make an appointment