What is the role of the mortgage advisor?

What does a mortgage broker do and how can they help you choose the right mortgage? When you’re buying a new house, you’ll encounter a lot of information and need to make certain decisions. Should I opt for a purchasing agent or not? Which notary is suitable for us once we’ve found a nice house? And last but not least. How do I find a mortgage advisor who can assist and inform me effectively? In fact, it is very important to hire a good mortgage broker first in the whole process so that you know exactly what you can borrow and up to what amount you can bid when you have found your dream home.

What exactly does a mortgage advisor do and what can you expect?

A mortgage broker provides financially expert advice on mortgages and helps you find a mortgage that’s right for you. To start, they’ll assess your financial situation and inquire about your future plans. Do you plan to have children? Will you work less in the future? Or are you nearing retirement? Based on your financial situation, a mortgage advisor will determine if you qualify for a (NHG) mortgage and whether you need certain insurances or perhaps a bridging loan. To provide suitable mortgage advice, the advisor explores various options. They calculate additional costs, review product conditions from lenders, and compare interest rates. With their advice, you’ll know exactly what your monthly mortgage payments will be and the associated conditions. Once you and your advisor select suitable lenders, the advisor requests a rate offer. If you accept the rate offer, the mortgage advisor submits it along with all necessary documents to the lender. They monitor the processing of your file and inform you when your mortgage is approved, allowing you to sign and return the final mortgage offer! Therefore, the mortgage advisor completes the mortgage online. An important moment. Then the notary will contact you to make an appointment to get the mortgage executed.

What does a mortgage advisor cost?

Usually you pay a flat fee for mortgage advice and mediation for the entire process. The cost of advice typically ranges from €1,500 to €3,000, but this depends on the advisor and your situation. Some advisors charge hourly rates, typically between €80 and €175, which can vary. Also, inquire about the costs for changes during your mortgage term. For example, for a second mortgage, or a new fixed-interest period.

Is mortgage advice tax-deductible and can it be financed?

While the cost of advice on the mortgage itself is usually deductible, the cost of advice on related insurance is not. You can finance the mortgage only if the total cost does not exceed your income and the value of your property. If it does, and you cannot pay the costs upfront: If so, ask the mortgage broker about the options for installment payments.

How do you choose the right advisor?

This question is easier to answer than you might think. In our capital city, you’ll find Nobel Mortgages, advisors who go above and beyond to help you. Contact Nobel Mortgages via email, phone, or WhatsApp to schedule a no-obligation appointment right awa Meetings can be in person or via video chat. Ensuring clarity through the Triple A program. With Triple A, everything is straightforward and clear, focused entirely on you. Absorb, Analyze, Advise. We provide and take care of you throughout the mortgage process. Because of our ongoing preparation together with you, everything is 100% insightful and transparent. Once everything is clear and documented, your search for your dream home can begin. Even during this process, you can rely 24/7 on Nobel’s expertise and support. A Co-Buddy is assigned to answer all your questions. Through prompt communication and follow-up assessments of potential homes, you are better prepared than your competition. And in these times of housing scarcity, that can make just the difference in whether or not you can buy your home.

Champagne and celebration!

Once everything is in the can, your mortgage advisor is happy to celebrate this special moment in life with you with champagne. ensuring everything was understandable so that you’re also part of the Nobel Team with your gained knowledge. But our contact doesn’t end after the celebration. Post-care is crucial to us at Nobel. We’ll continue to support you even after everything is finalized and you’re happily settled in your dream home. You can reach Nobel 24/7 with any questions. We’re always here for you! Do you also want an advisor who looks outside the box and really analyzes all the possibilities for you? Then contact our experienced and enthusiastic team soon. We are available to you 24 hours a day with the utmost commitment and sincere attention. An e-mail is a snap to info@nobelhypotheken.nl or call or app to 06-54770122.