Independent Online Mortgage Advice

Requesting requesting online mortgage advice is very simple. Schedule a no-obligation introductory meeting in my calendar via the website, or send an email to info@rolingadvies.nl or call me directly at 015-7009756. During the online introductory meeting, we’ll briefly discuss your financial situation and housing preferences.

The first step—scheduling a no-obligation introductory meeting—is quick and easy. Easily schedule an appointment in my calendar via the website, or send an email to info@rolingadvies.nl or call me directly at 015-7009756. 

The length of the entire process—from requesting a mortgage quote to final approval of the mortgage—varies from person to person. It depends on your needs and circumstances, as well as on other parties, such as a mortgage lender or insurer. On average, an application takes about 3 to 4 weeks.

I believe it’s very important to work transparently and honestly. That’s why I use fixed rates for mortgage advice. Within this rate, I’ll handle everything related to your mortgage application for you, including advice and taking out insurance. So there are no unexpected or hidden costs. Please refer to the comparison chart.

What are the current interest rates?

We charge a flat fee for mortgage advice, regardless of the complexity of the case. That way, you know exactly what to expect upfront, with no surprises later on.

Mortgage interest rates vary by lender and fixed-rate period. We compare the current interest rates from more than 35 mortgage lenders for you every day.

Fixed interest rate:

Advantages:

• Stable monthly payments: Your monthly mortgage payments remain the same throughout the fixed-rate period, providing predictability and financial security.

• Protection Against Rising Interest Rates: If market interest rates rise, your interest rate will not change, protecting you from higher costs.

Disadvantages:

• Less flexible: You won’t benefit from any drop in interest rates during the fixed-rate period.

• Higher interest rates: In general, fixed interest rates are higher than variable rates, because you’re paying for the security of stable monthly payments.

• Penalty interest for early repayment or moving: If you want to make an extra payment or refinance your mortgage during the fixed-rate period, the bank may charge a prepayment penalty.

Variable interest rate:

Advantages:

• Lower upfront costs: Variable interest rates are generally lower than fixed interest rates, which can result in lower monthly payments at the start.

• Flexibility: If interest rates fall, your monthly payments will immediately reflect this decrease.

• Lower prepayment penalty: In the event of early repayment or a move, the costs are often lower or nonexistent.

Disadvantages:

• Uncertainty: Your monthly payments may increase if interest rates rise, which carries the risk of higher monthly payments.

• Financial planning: It’s harder to plan your monthly budget because expenses can vary.

• Higher Costs When Interest Rates Rise: If interest rates rise significantly, your monthly payments could unexpectedly put a heavy strain on your finances.

• Lower maximum borrowing capacity: With a variable interest rate, calculations are based on a higher (notional) interest rate, which may mean you can borrow less, especially with a variable interest rate.