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Take Advantage of Your Home's Equity
Do you want to pay for a home renovation, make a gift, buy a second home, or supplement your income for a certain period of time? There are all kinds of reasons to tap into the equity in your home. I’d be happy to explain exactly how that works.
Discover the benefits
How does tapping into home equity work?
Equity is the difference between the current value of your home and the remaining mortgage balance. It can help you gain additional financial flexibility—for example, to make your home more sustainable, buy a second home, or supplement your retirement income.
Buy a primary or secondary residence
Whether you want a bigger house, are looking for a vacation home, or want to buy an apartment for your child, you can use your home equity for these purposes as well. You can access your home equity by increasing your mortgage or taking out a second mortgage. You can use this extra amount as a down payment on the new home.
It can help you lower your total mortgage, which means you’ll need to put down less of your own money and will have more financial flexibility. This gives you the freedom to invest in a home that fits your needs and future plans.
Learn more about buying your next home.
Supplement Your Retirement Income
Would you like to supplement your retirement income or gain additional financial security? You can do this by increasing your mortgage using your home equity or by taking out a reverse mortgage. This allows you to receive a monthly payment from your home equity. As a result, you’ll have additional income in addition to your retirement benefits, without having to move.
I'd be happy to tell you more in a personal conversation. Schedule a free, no-obligation online appointment.
Save on your monthly expenses
If your mortgage balance is lower than the value of your home, your mortgage lender is taking on less risk. You can take advantage of this:
You may be eligible for an interest rate discount
You can increase your mortgage to pay off expensive loans.
You can refinance your mortgage.
During a free online orientation session I’d be happy to explain the various options to you.
Renovate or make your home more sustainable
Use your home equity to renovate or make your home more sustainable. For example, by increasing your mortgage, you can invest in a new kitchen, bathroom, or extra room.
You can also use the equity to finance energy-saving measures, such as solar panels, insulation, or a heat pump. This not only improves your living comfort but can also lower your energy bills and increase the value of your home.
Learn more about renovating and making your home more sustainable.
Shariff Roling | Mortgage Advisor
Do you have a question?
Check out the frequently asked questions or contact us. I'd be happy to help! Email us at: info@rolingsadvies.nl Or call: +31 15 700 9756
Frequently Asked Questions About Utilizing Home Equity
Yes, even if you're retired, you can still tap into your home equity. There are specific mortgage products for retirees, such as the "eat-up" mortgage, that help you generate additional income from your home.
That depends on how you use the equity. If you increase your mortgage, your monthly payments may go up. With a drawdown mortgage, you can choose not to make monthly payments, which keeps your monthly payments the same. I’d be happy to discuss all the options with you.
I can arrange for an appraisal to determine the current market value of your home. Based on this appraisal and your current mortgage balance, I’ll calculate the equity.
The process can usually be completed within a few weeks to a few months, depending on the complexity of your situation and the mortgage option you choose. I’ll guide you through the entire process to ensure everything goes as quickly and smoothly as possible.
Although it isn't required, I strongly recommend seeking mortgage advice. Tapping into your home equity is an important financial decision with long-term consequences. I'll help you make the best choices, tailored to your situation and needs.
There are costs associated with changing your mortgage, such as notary fees, appraisal fees, and advisory and brokerage fees. I’ll give you a clear overview of all the costs so you know exactly what to expect.
I believe it’s very important to work transparently and honestly. That’s why I charge fixed rates for mortgage advice, taking your specific situation and needs into account. Within this rate, I’ll handle everything related to your mortgage application for you, including advice and taking out insurance policies. So there are no unexpected or hidden costs. Please refer to the comparison chart for more details.
Or contact us.
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Every situation is different, which is why we compare more than 35 mortgage lenders based on interest rates and terms. We’ll do the research for you and advise you on the best solution for your personal situation and needs.
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Make your dream home a reality with your home equity. Curious about your options?
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