Mortgage Advisor
Independent mortgage advice for your own home or investment property.
- Independent mortgage advisor in Groningen with top reviews.
- We compare more than 40 lenders.
- Free customized mortgage calculation by specialists.
Interested in a no-obligation introduction?
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What is your situation?
Financial advisor
Independent mortgage advice Groningen
Are you looking for a mortgage with the lowest monthly payments to purchase your own home? Or are you looking for a buy-to-let mortgage to purchase an investment property? There are often many more possibilities than the standard rules. We arrange a tailor-made mortgage for you and are happy to think along with you.
Het Florijnhuys is affiliated with virtually all mortgage providers. As a result, you receive truly independent advice and a thorough comparison of all lenders.
Interested in a no-obligation introduction?
You can always get to know us in an informal, no-obligation way. This can take place at our office in Groningen or North Groningen, at your home, or at your business. Meeting by phone or online via video call is also possible.
During a free consultation, we can discuss the feasibility of your wishes together. We can also provide an initial indication of the maximum mortgage and the associated monthly payments.
Why choose Het Florijnhuys?
- Independent mortgage advice, clearly explained.
- One point of contact and complete peace of mind from start to finish.
- We compare more than 40 lenders.
- More than 20 years of experience.
- We provide tailor-made solutions and go beyond standard advice.
- Also specialized in entrepreneurs, leased properties, and investment properties.
What does a mortgage advisor in Groningen do for you?
Choosing an independent mortgage advisor in Groningen is for your own convenience and the lowest monthly payments. You want the best mortgage, and everything needs to be arranged properly from A to Z. During an initial, no-obligation mortgage consultation, we will go through your wishes and needs together. Naturally, we will also take into account the maximum amount you can borrow and the monthly payments you can expect after taking out the mortgage.
As soon as the most ideal mortgage has been found, we ensure that the mortgage is finalized and that all documents are submitted to the notary on time. We have been doing this for 20 years, so we know exactly what needs to be done. We do still need information and documents from you, but we will keep you well informed about this.
Truly independent mortgage advice makes the difference
There is no single lender (bank) that offers the best possible mortgage at the lowest interest rate in all cases. Choosing and taking out a mortgage is always a customized process. The advantage of an independent mortgage advisor is that your choices are not limited. You can also go to the bank where your current account is held for a mortgage, but you will likely receive a proposal focused on their own mortgage products. We are the leading independent mortgage advisor in Groningen, with connections to dozens of lenders. This makes Het Florijnhuys one of the best mortgage advisors in Groningen. Not because we claim it, but because our reviews speak for themselves.
Independent mortgage advisor: what does this entail?
An independent mortgage advisor offers you objective and personal advice that is fully tailored to your situation. Because there is no affiliation with specific lenders, the options are presented fairly and transparently. This ensures you always get a mortgage that best suits your wishes and financial situation. At Het Florijnhuys, you can count on truly independent mortgage advice. Our team is ready to guide you in making the right mortgage choice, so you can take the next step with peace of mind. Choose independent mortgage advice at Het Florijnhuys and experience the difference.
What is our working method?
You choose a mortgage advisor so that we can personally discuss the possibilities regarding a mortgage with you. We would like to invite you to our office in Groningen for an introductory meeting.
During an initial consultation, our primary focus is on your wishes. We also look at your current financial situation. After all, we tailor the new mortgage not only to the property but, above all, to your wishes and future expectations. Securing the mortgage is not our only task as mortgage advisors. Even in the event of setbacks, the mortgage payments must remain affordable. Additionally, the mortgage must fit your future plans.
Buying your first house
When buying your first home, you likely have many questions and possibly some concerns as well. Both are addressed by our mortgage advisor. After all, arranging mortgages is our job, something we have been doing daily for decades. The mortgage advisor will fill you in on everything you need to know about taking out a mortgage.
What is the maximum amount you can borrow?
The maximum mortgage based on income is an important starting point when buying a house, especially in a market with high house prices. You can make a rough calculation . Together with your mortgage advisor, you can calculate everything even more accurately. The amount of the maximum mortgage also depends on factors such as student debt and other debts. You might even qualify for a starter loan, which can help you purchase your first home.
How much savings do you need?
You can fully finance the purchase price of a house with a mortgage. However, you do need savings, as you must have funds set aside for additional costs. These additional costs include, for example: advisory and brokerage fees, appraisal costs, and notary fees. Under certain conditions, you are exempt from transfer tax. Your mortgage advisor will be happy to explain this to you during the initial consultation. How much savings you need when buying a house depends on various factors.
When buying a house for €300,000, you can expect approximately €7,000 to €9,000 in costs. If you also have to pay transfer tax, you can anticipate an additional amount of €6,000 in costs.
First-time buyers are having a hard time on the housing market
Unlike home movers (buyers of a house who can also sell a house), first-time buyers do not have equity from a previous home at their disposal. In recent years, house prices have risen by more than 10% per year. It is impossible to save up to keep up with this, making it increasingly difficult for first-time buyers to purchase. This is partly because home movers have the opportunity to significantly overbid using the value they have already built up. With well-founded advice from an independent mortgage advisor, you, as a first-time buyer, know what the possibilities are. This allows you to act faster and know what you can bid on a house.
With the right insurance, you can weather financial setbacks
- Over the course of decades, you may face (major) setbacks. Even then, the mortgage payments must still remain affordable. Your mortgage advisor will also advise you on necessary insurance policies that you can take out alongside the mortgage. After all, some risks are simply too great to bear yourself. These include, among others, the following insurance policies:
- Life insurance – In the event of the death of one of the homeowners, the surviving family members must continue to pay the monthly installments. This can become difficult due to the loss of income. After all, houses are often purchased based on two incomes. By taking out life insurance, this risk can be effectively insured.
- Mortgage Cost Insurance – A decrease in income due to unemployment or disability can be insured with mortgage cost insurance. If this happens to you, this insurance can have (part of) the housing costs paid by the insurer.
- Home Insurance – Your house and the belongings inside can be damaged by, for example, burglary, storm, or fire. With insurance policies such as buildings insurance and contents insurance, you transfer this risk to an insurer. Taking out buildings insurance is also mandatory for you by the lender. After all, the house can be destroyed by fire, while you still have to pay off the mortgage on the house.
Refinancing mortgage
Due to low mortgage interest rates, refinancing your mortgage can offer a financial advantage, even if you still have an ongoing fixed-rate period. In that case, you can break open the current fixed-rate period by paying a penalty interest. Our mortgage advisors can calculate for you whether breaking open the current fixed-rate period is worthwhile. An additional benefit is that you can lock in the current low mortgage interest rates for a long period immediately. In the event of a sharp rise in mortgage interest rates, for example, you will maintain a low mortgage interest rate for a period of 20 years.
Refinance your mortgage without penalty interest
As soon as your fixed-rate period expires, you can switch your mortgage to another lender without paying a penalty interest. Your mortgage advisor can compare your current bank's proposal with what other banks (lenders) can offer. There are dozens of lenders, so switching your mortgage will likely result in lower monthly payments and better terms as well.
Frequently asked questions about buying a house
Due to high house prices and the tight housing market, it is important to enter the market well-prepared. Knowing what you can offer during a house viewing can give you an edge over other interested parties. Your mortgage advisor at Het Florijnhuys can indicate in advance the maximum amount you can offer. This is particularly important information for first-time homebuyers. Due to high house prices and the tight housing market, it is important to enter the market well-prepared. Knowing what you can offer during a house viewing can give you an edge over other interested parties. Your mortgage advisor at Het Florijnhuys can indicate in advance the maximum amount you can offer. This is particularly important information for first-time homebuyers.
Due to high house prices and the tight housing market, it is important to enter the market well-prepared. Knowing what you can offer during a house viewing can give you an edge over other interested parties. Your mortgage advisor at Het Florijnhuys can indicate in advance the maximum amount you can offer. This is particularly important information for first-time homebuyers. Due to high house prices and the tight housing market, it is important to enter the market well-prepared. Knowing what you can offer during a house viewing can give you an edge over other interested parties. Your mortgage advisor at Het Florijnhuys can indicate in advance the maximum amount you can offer. This is particularly important information for first-time homebuyers.
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Are you looking for a mortgage with the lowest monthly payments for the purchase of your own home? Or are you looking for a buy-to-let mortgage for the purchase of an investment property?
