What will mortgage advice cost in 2026 and what should you look out for? Many people find it difficult to properly estimate the cost of mortgage advice, especially as the market and regulations keep changing.
Mortgage advice costs are not always transparent or comparable. This leads to uncertainty when taking out or modifying a mortgage. Of course, you don't want to pay too much, but you do want to get the best advice.
In this guide, you'll discover exactly what costs you can expect in 2026. You'll learn what to look out for, how to save and the difference between independent and dependent advisors.
Want to know how to save hundreds of dollars, or what pitfalls to avoid? Then read on. We answer the most frequently asked questions, share practical examples and give concrete tips to get the most out of your mortgage advice.
What is included in the cost of mortgage advice
What exactly is the cost of mortgage advice and what do you get for it? Many people are surprised by the various items that appear on the invoice. Below we explain in detail what to look out for, what costs you can expect and how to keep a grip on the process.
Overview of advice and closing costs?
Mortgage advice costs consist of two main parts: advisory fees and closing costs. You pay a consultancy fee for personal advice on matters such as the most suitable mortgage type, the right fixed-interest period and co-insuring risks such as death risk or disability. Closing costs are the costs for actually arranging, applying for and closing the mortgage.
A mortgage advisor compares different providers, helps you gather documents and guides the entire application process. For first-time buyers, the average rate in 2026 is around €2,000 to €2,500. Move-through buyers often pay a little more, between €2,500 and €3,000, because extra consideration is needed for such things as excess value or taking an existing mortgage with them.
Since 2023, it has been mandatory for an advisor to provide a full cost breakdown in advance. That way you know exactly what you're getting and avoid surprises. Want to know more about the exact costs and what they include? View the comprehensive overview on the Cost of mortgage advice 2026 page.
Additional costs and additional services
In addition to the standard fees for mortgage advice, you may face additional costs. Think of valuation costs for the home, notary fees for passing the deed or advice on additional insurance. Many advisors also charge a surcharge for complex situations, such as a divorce, entrepreneurial income or refinancing an existing mortgage.
Some firms offer package prices, where you get, for example, mortgage advice, insurance advice and guidance on sustainability in one price. If you only want to buy individual modules, you usually pay per service. For expats or international clients, there are often additional fees due to additional documentation and regulations.
Pay close attention to what does and does not fall under the free initial consultation. This is usually an orientation call without in-depth advice or customized calculations.
How do you pay for mortgage advice?
You usually pay the cost of mortgage advice directly to the advisor, by invoice or through the notary when the mortgage is passed. In some cases, you can co-finance these costs in the mortgage, provided it fits within the 2026 conditions.
Note VAT: VAT is not payable on pure mortgage advice, but additional services such as financial or insurance advice may be. The payment timing differs from office to office: sometimes you pay at the start, sometimes after the advice, and sometimes only at the conclusion of the mortgage. It is important that you always receive a written confirmation of all cost agreements. This way you can be sure that you will not be faced with any surprises afterwards and you keep control over the costs for mortgage advice.
Independent versus dependent mortgage advice: What's the difference in cost and quality?
Choosing between independent and dependent mortgage advice is crucial for your wallet as well as your security. The cost of mortgage advice varies widely, depending on the advisor and the route chosen. Want to know where you get the most value for your money? Here are the differences in cost, quality and opportunities to save.
Independent mortgage advice: benefits and costs
Independent mortgage advisors compare more than 35 lenders. This ensures customization and an offer that really suits you. The cost of mortgage advice with these advisors is often slightly higher, but you get a broader comparison and personal guidance in return.
The advantage? With a wide range of offerings, chances are you'll score a lower interest rate or better terms. Say you save €100 a month through independent advice, that adds up to €1,200 annually. Independence prevents conflicts of interest and is especially essential in complex situations, such as entrepreneurs or composite families.
Want to know more about the benefits and exact costs of independent advice? Then take a look at the detailed explanation on Independent mortgage advice benefits.
Dependent mortgage advice: features and pricing
Dependent mortgage advisors work exclusively for one bank or lender. As a result, the cost of mortgage advice is usually lower, often €500 to €1,000 less than with independent advisors. This seems attractive, especially if your situation is straightforward, such as for first-time buyers.
Note: you have less choice and there is a chance of a higher interest rate or less favorable terms. The process is often faster because there are fewer providers to compare. For complex situations or if you want to compare, dependent advice is less suitable. So consider carefully whether the lower cost of mortgage advice outweighs the limited offer.
What do you look for when choosing between independent and dependent advice?
Transparency is paramount when choosing a mortgage advisor. Always ask for a vergelijkingskaart so you can see exactly which providers are included and what the cost of mortgage advice is.
In addition, check customer reviews and experiences so you know what to expect in terms of guidance and aftercare. Weigh the difference in costs for mortgage advice against the possible advantage in monthly costs. Note: independent advice is often more attractive from a tax point of view, because you can deduct more costs.
Finally, look at the level of guidance you receive. Do you have a complex situation? Then independent advice is often the best choice.
Independent mortgage advice via Roling Advies
Roling Advies offers completely independent mortgage advice to both individuals and business owners. They compare more than 35 lenders to find the best tailored offer. The costs for mortgage advice are transparent and clear upfront, so there are no surprises.
You get personalized guidance when buying your first home, moving on or adjusting your mortgage. The first online orientation interview is free. Expats can also count on a smooth, fully digital process. Clients rate Roling Advies with 5.0 on Google and 9.9 on homebuyer platforms. For all current rates and more information on mortgage advice fees, please visit the website.
Mortgage advice costs and tax deductibility in 2026
Wondering if mortgage advice fees are deductible in 2026? You're not the only one. Many people can't see the forest for the trees when it comes to tax rules. The good news: with the right insight, you can save hundreds of dollars on the cost of mortgage advice. We take you step by step through the rules, practical examples and pitfalls.
Starter, intermediate and entrepreneur: costs per scenario
The cost of mortgage advice varies by situation. Starters pay on average between €2,000 and €2,500 for the full process, including advice, comparing providers and arranging the mortgage.
Flow-through buyers are often slightly more expensive. They have to deal with existing mortgages, excess value and moving arrangements. As a result, the costs for mortgage advice are usually between €2,500 and €3,000. Entrepreneurs and self-employed people pay more because income is more complex to assess and additional documents are required. In practice, as an entrepreneur, you'll spend an average of €2,750 to €3,500. Expats should expect additional costs for foreign documents and translations.
Case studies: What do you pay for mortgage advice in different situations?
So what are the real costs for mortgage advice in different situations? Let's make this concrete with common scenarios. This will give you a quick insight into what to look out for in your personal situation. The costs for mortgage advice can vary considerably, depending on your wishes, complexity and type of customer.
Starter, intermediate and entrepreneur: costs per scenario
The cost of mortgage advice varies by situation. Starters pay on average between €2,000 and €2,500 for the full process, including advice, comparing providers and arranging the mortgage.
Flow-through buyers are often slightly more expensive. They have to deal with existing mortgages, excess value and moving arrangements. As a result, the costs for mortgage advice are usually between €2,500 and €3,000. Entrepreneurs and self-employed people pay more because income is more complex to assess and additional documents are required. In practice, as an entrepreneur, you'll spend an average of €2,750 to €3,500. Expats should expect additional costs for foreign documents and translations.
Customer type
Starter
Flow-through
Entrepreneur
Expat
Average costs 2026
€2.000 – €2.500
€2.500 – €3.000
€2.750 – €3.500
€2.900 – €3.700
Curious about even more examples and current rates? Take a look at the overview at Cost of mortgage advice at Mortgage Plan. Specifically for business owners, you'll find additional tips at Mortgage advice for entrepreneurs.
Complexity determines price. The more complicated your situation, the more work the advisor has to do and the higher the cost of mortgage advice.
Additional services and packages: what do you get for your money?
In addition to the basic process, you can choose additional services or packages. Think of additional advice on insurance, pension or making your home more sustainable. Many advisors offer a total package, where you take care of everything for one price. An all-in package of €3,000 often includes:
- Advice on mortgage, term life insurance and home expense insurance
- Guidance on sustainability or renovation
- Annual check-ups and aftercare
Do you prefer to choose what you purchase yourself? Then you pay per module, for example only for mortgage advice and arrange the rest yourself. Pay close attention to what is included. Aftercare and monitoring of your mortgage are sometimes priced separately, but can make a big difference when interest rates fall.
By comparing, you can quickly see if your cost for mortgage advice fits the services offered.
Saving tips: how to keep costs under control
Want to save on the cost of mortgage advice? These tips will help you avoid unnecessary expenses:
- Get multiple quotes and compare not only the price, but also what you get for it.
- Check if the initial consultation is really free and what is or isn't covered.
- Choose an advisor who is transparent about fees and services. Always ask for an itemized cost breakdown.
- Consider online mortgage advice. This is often more affordable without compromising on quality.
- Bundle services such as insurance and mortgage for extra package discounts.
- Keep an eye on temporary promotions and offers from advisors.
By making smart comparisons and looking critically at what's on offer, you can get a good handle on the cost of mortgage advice. That way, you'll have more money left over for what really matters: your new home.
Frequently asked questions about mortgage advice costs
Anyone looking to buy a home or modify their mortgage has questions about the cost of mortgage advice. What exactly do you pay, when do you pay and what do you need to pay extra attention to? Here are the answers to the eight most frequently asked questions, plus helpful tips and a checklist for choosing the right advisor.
Top 8 most frequently asked questions from consumers
- How do I pay the cost of mortgage advice? It can be paid directly via invoice, through the notary or sometimes co-financed in the mortgage.
- Are fees tax deductible in all cases? No, only when buying, refinancing or increasing for home improvement. See more about mortgage advice costs and tax deductibility.
- Can I co-finance advice costs? In many cases yes, but always check the 2026 terms and conditions.
- When do I pay extra fees? For example, in more complex situations such as divorce or being an entrepreneur.
- What are the average costs in 2026? These are between €2,000 and €3,000 according to cost of mortgage advice.
- Do I have to pay VAT on mortgage advice? Often not, unless it involves additional services.
- What if I stop the process? Then you usually only pay for the advice provided up to that point.
- Are there differences between online and physical advisors? Yes, online advice is often cheaper, but sometimes offers less personal guidance.
These answers will give you quick insight into the most common questions about costs for mortgage advice.
Other concerns and misunderstandings
The difference between independent and bank-based advice is important: independent advisors compare more providers, but tend to be slightly more expensive.
Aftercare is another concern. Not every advisor offers standard annual check-ups or guidance on interest rate benefits. So always ask about this when making your choice.
Be careful when refinancing or increasing your mortgage, as this can incur additional costs that are not always obvious. Divorce or pension advice is also often more expensive, as more research is required.
Finally, there are differences in fee structures: some advisors charge a flat rate, others work on an hourly rate. Compare carefully what you get for the amount you pay so that the cost of mortgage advice remains clear.
Checklist: How to choose the right mortgage advisor
Use this checklist to make sure you make the best choice and don't overpay for mortgage advice fees:
- Always ask for a vergelijkingskaart and itemized cost breakdown.
- Check whether the adviser is truly independent and what offers they are comparing.
- Read reviews and customer ratings for an honest picture.
- Pay attention to transparency about aftercare and aftercare, so you know what to expect after closing.
- Ask about experience with your situation, for example as a starter, entrepreneur or expat.
- Take advantage of a free orientation call to get acquainted and find out what is included in the cost of mortgage advice.
With this checklist, you can be sure to keep a grip on the cost of mortgage advice in 2026.
Now that you know exactly what to look out for when it comes to the cost of mortgage advice in 2026, it's time to take the next step. Whether you're buying a home for the first time, moving on or as a business owner wanting to know what's financially possible, independent advice provides peace of mind and clarity. At Roling Advies , we compare more than 35 providers and guide you personally every step of the way. Do you want to know for sure where you stand and avoid surprises? Then schedule an easy conversation without any obligations via Book a meeting and discover your options.