Mortgage Advice That's Right for You
How do you find the best mortgage? There are various types of mortgages, and there are many mortgage lenders to choose from. Plus, every situation is different. So make sure to get all the information you need so you can choose a mortgage that fits your personal situation.
Customer Reviews
5 Steps to Carefree Living
How does taking out a mortgage work?
Orientation
What are your wishes and options?
If you’re thinking about buying a home, it helps to know what your budget is. What costs and monthly expenses should you factor in? During an online introductory meeting, we’ll discuss your housing needs, your financial situation, and the key considerations.
There's absolutely no obligation—so you won't pay anything for this appointment!
After the interview:
- Do you have a rough estimate of your maximum mortgage amount?;
- Is it clear whether you'll need to contribute any of your own money, and if so, how much?;
- Do you know your monthly expenses?
That way, you'll know enough to make an offer with confidence!
Inventory
What exactly is your situation like?
Has your offer been accepted, or were you selected in the lottery for that beautiful new home? Congratulations! Once you’ve agreed to our services, we’ll get started. During an online meeting, we’ll discuss your specific financial needs and goals for the future.
Upload your information in your personal account
- Copy of ID
- Copy of bank statement
- Pay stub / Annual financial statements and/or tax returns / recent pension statement
- Employer's Statement
- Draft Purchase Agreement
- Appraisal Report
In your personal online portal, you can securely and easily upload all the necessary information—whenever and wherever it’s convenient for you. It’s that easy!
Analysis & Advice
All the information clearly explained for you
After carefully analyzing your information, needs, and goals, I will compare and select mortgage options—and, if applicable, insurance policies—that best suit your situation. You will receive a financial advisory report that clearly outlines everything.
This report also outlines the financial risks you face. That way, you’ll know exactly where you stand in every situation—such as in the event of disability, unemployment, or death.
During a personal online consultation, I’ll walk you through the recommendations step by step. Of course, you’re welcome to ask any questions you may have. I’d love to hear them!
Request
Sign up for your mortgage and insurance
If you agree with the advice, I'll apply for the mortgage and any necessary insurance on your behalf. If you'd like, I can also handle communications with the appraiser, real estate agent, and notary, and apply for the bank guarantee.
Of course, you’ll receive regular updates on this process. You can also track the status of your mortgage application in your personal online portal.
You’ll sign the interest rate offer and the binding mortgage offer. Once your application has been approved by the mortgage lender and insurers, I’ll make sure all relevant documents are submitted to the notary on time. That way, you can start planning your move!
Aftercare
Aftercare You Can Count On!
We constantly monitor the market and run calculations in the background to determine whether refinancing your mortgage would offer financial benefits. As soon as we see an opportunity, we’ll contact you right away. That way, you’re always guaranteed the lowest monthly payments.
We firmly believe that a good mortgage advisor should continue to be of value even after the mortgage is finalized. That’s why you can count on us for proactive management and personal contact.
Do you still have questions after taking out your mortgage and insurance policies? Or has something changed in your personal situation? Feel free to contact me! Whether that’s a year from now or ten years from now.
Which mortgage
is right for me?
Currently, you can choose from three different types of mortgages or a combination of them: an annuity mortgage, a linear mortgage, or an interest-only mortgage.
Before 2013, you could also take out other types of mortgages, such as a savings mortgage, a life insurance mortgage, or an investment mortgage. Do you currently have a mortgage that falls under one of these types? If so, you can often transfer it to your new home.
Shariff Roling | Mortgage Advisor
Do you already know which mortgage is right for you?
There are all kinds of possibilities. I'd be happy to help you make a choice that fits your situation.
With no obligation whatsoever
Annuity Mortgage
Are you in no rush to pay off your mortgage? Or do you expect to have more and more disposable income over the course of your repayment period? In that case, an annuity mortgage is often the best option.
Fixed-rate mortgage
Do you want to make relatively large mortgage payments right from the start, so you’ll have more disposable income early on? Or do you expect your income to decrease over time, for example? In that case, a linear mortgage is often a good fit, because you make relatively large payments right from the start.
Interest-only mortgage
Would you like to lower your mortgage payments? With an interest-only mortgage, you don't make any principal payments during the term of your mortgage; you only pay interest.
100% independent advice
Every situation is different, which is why we compare more than 35 mortgage lenders to find the best mortgage for you.
View the current mortgage rates
100% independent advice
Every situation is different, which is why we compare more than 35 mortgage lenders to find the best mortgage for you.
View the current mortgage rates
Think in terms of solutions and possibilities
Together, we can go further!
"With over 10 years of experience in the mortgage industry and a large network of experts, I offer more than just sound financial advice. I bring it all together so that you can embark on your new housing adventure with peace of mind and a smile on your face."
Frequently Asked Questions
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.
You can calculate your maximum mortgage amount using the handy mortgage calculator. This calculator gives you an estimate of how much you can borrow for your new home. If you’d like more insight into your personal situation, please schedule a no-obligation appointment. I’d be happy to help!
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.
Are you looking for the lowest mortgage rate with the best terms? View and compare the current mortgage rates from lenders in the Netherlands.
Do you have any other questions? Please contact me. I'd be happy to help!
Curious about your mortgage options?
Schedule a free, no-obligation introductory meeting.
Schedule an appointment right away