What questions do I ask a mortgage advisor?
It is not uncommon to sit opposite a mortgage advisor. That's why it's important to ask the right questions during your mortgage advice. In any case, our advisors will ensure that we have discussed your entire situation and all your wishes. We have already listed a number of important questions for you:
How much can I borrow?
This question often comes to mind first when you think about buying a home. An online calculation gives you an idea of what you can borrow. During the conversation with the mortgage advisor, you will get an exact picture of what to expect. This way, you also know how much you may be able to offer for your new home. Here, we take into account factors such as your (joint) income, the appraised value of the house, any debts and the housing ratio in relation to your retirement age.
Is it wise to borrow as much as possible?
Think carefully about the maximum amount you want to pay per month in housing costs. It's important to consider what your financial situation looks like when life becomes uncertain due to loss of a job, a divorce, or a possible desire to have children, for example. For example, children not only cost money, your income will also decrease if one of you decides to work less.
Our mortgage advisor can map out your entire situation so that you can make an informed decision. Get in touch today for a free introduction.
How much of my own money do I need?
We can answer this question if you know the price of your dream home and how much you can borrow. In addition to the mortgage, there are additional costs, such as:
Transfer tax: 2% of the purchase price, unless you're under 35 and buying for less than €400,000.
Notary fees: Approximately €1,100 for registering the mortgage with the Land Registry.
Brokerage fees: Optional, but an average of €1,000.
Advisory costs: At Van Loon, average AMOUNT for personal advice and mediation.
Costs for NHG: A one-off 0.6% of the mortgage amount in 2023.
What expenses can I deduct from income tax?
After you have paid the costs of taking out a mortgage, you can deduct a number of costs in the tax return, such as notary fees, valuation costs (for an existing home), mortgage advice costs, NHG application costs, mortgage extension costs and mortgage interest, penalty interest and interest on other loans for your home.
Can I co-finance a renovation and sustainability?
Although in principle, your mortgage cannot exceed the value of your home, you can increase the value of your home by renovating and making it more sustainable. You can pass on your renovation plans to the appraiser, who will determine the valuation “after renovation”. With this valuation, you can help finance part of your renovation plans by applying for a construction depot.
Do you want to discuss your situation with one of our mortgage advisors? Leave your number and we will call you back at a time that suits you for an informal first meeting.