Frequently Asked
Questions
I'm here to help you navigate the mortgage process. Browse our FAQs for answers to common questions, or contact me for personalized advice.
Frequently asked questions about mortgage advice
Requesting online mortgage advice is very easy. Schedule an free introductory meeting in my calendar through the website, send an e-mail to info@rolingadvies.nl/en or call me directly at 015-7009756. During the online introductory meeting, we briefly discuss your financial situation and housing needs.
You can calculate your maximum mortgage with the handy mortgage calculator tool. This calculator tool gives you an indication of how much you can borrow for your new home. Want more insight into your personal situation, make an appointment without obligations. I would be happy to help!
The first step, making a non-binding introductory appointment, is quick. Plan easily an appointment in my calendar through the website, send an e-mail to info@rolingadvies.nl/en or call me directly at 015-7009756.
The mortgage process, from application to final approval, typically takes 3-4 weeks. However, the exact timeline varies depending on your individual circumstances and the parties involved, such as the lender and insurer.
Working transparently and honestly is very important to me. That is why I use fixed rates for mortgage advice. Within this rate I arrange everything around the mortgage application for you, including advice and insurance. No unexpected or hidden costs. Please refer to the vergelijkingskaart.
Are you looking for the lowest mortgage rates at the best terms? View and compare current mortgage rates from lenders in the Netherlands.
Fixed rate:
Advantages:
- Stable monthly costs: Your monthly mortgage payments remain the same throughout the term of the fixed-rate mortgage, providing predictability and financial security.
- Protection against interest rate increases: If market interest rates rise, your interest rate will not change, protecting you from higher fees.
Disadvantages:
- Less flexible: You do not benefit from any decrease in interest rates during the fixed rate period.
- Higher interest rates: Generally, fixed rates are higher than variable rates because you are paying for the security of stable monthly payments.
- Penalty interest when repaying early or moving: If you want to make additional repayments or refinance your mortgage during the fixed-interest period, the bank may charge penalty interest.
Variable interest rate:
Advantages:
- Lower start-up costs: The variable interest rate is usually lower than the fixed rate, which can result in lower monthly costs at the start.
- Flexibility: When interest rates fall, your monthly expenses benefit immediately.
- Less penalty interest: When repaying early or moving, the costs are often lower or zero.
Disadvantages:
- Uncertainty: Your monthly expenses may increase as interest rates rise, which puts you at risk of higher monthly expenses.
- Financial planning: It is more difficult to plan your monthly budget because expenses can vary.
- Higher costs when interest rates rise: If interest rates rise significantly, your monthly expenses can weigh unexpectedly on your finances.
- Lower maximum borrowing capacity: Variable-rate mortgages charge a higher (notional) interest rate, so you may be able to borrow less, especially at a variable rate.
Frequently asked questions about your personal online account?
In your personal online account of Roling Advies you can perform the following actions:
- Application process tracking: You can follow the process of your mortgage application step by step, from the submission of documents to the final approval and transfer of your file to the notary.
- Upload documents: You can easily upload all necessary documents, such as pay stubs, werkgeversverklaringen, and tax returns.
- Download documents: You can also download relevant documents such as the service order, mortgage offer and other useful information.
- Communicating with your advisor: You have a direct line of communication with your mortgage advisor via messages or chat, where you can ask questions or receive updates.
- Review and accept offers and advice: You can view, download and accept the service order and your mortgage advice online.
Status notifications: You will receive notifications about the progress of your application, such as when you need to complete documents or when a next step is completed.
The security of your data in your personal online account is generally ensured by a number of measures:
- Encryption: Sensitive information, such as personal and financial data, is transmitted and stored encrypted.
- Authentication: Strong authentication methods are used, such as two-factor authentication (2FA), which requires you to enter a second factor (e.g., an SMS code or app) in addition to a password to log in.
- Regular security updates: The environment is regularly updated with the latest security patches to close potential vulnerabilities.
- Limited access: Access to your information is limited to only those employees of the mortgage lender or counseling office who are directly involved with your application, and only to the extent necessary for their work.
After you close the mortgage, your personal online account allows you to do the following:
- Continue to see: Often the online account remains available so you can access documents or insurance policies later. You can also use your personal portal to report claims for your insurance policies purchased at Roling Advies.
- Archiving: Your data and documents are usually archived according to applicable regulations, which means they are retained for some time for legal or administrative purposes.
- Limited access: Access to your account may be restricted over time to only viewing historical data, or you may have to log in again with certain verification to gain access.
- Termination:In some cases, you can choose to have your account deleted or access terminated if you no longer want to use the online account.
Use of the personal online account is included in the mortgage counseling process. Thus, there is no additional charge for it.
Frequently asked questions about mortgage advice when buying new-build home
A new-build mortgage is a mortgage specifically designed to finance new-build homes. It often includes specific terms and features, such as a bouwdepot, that are different from mortgages for existing homes.
Mortgage interest usually starts as soon as the first construction installment is paid. This means you start paying interest on the amount withdrawn from your bouwdepot.
Yes, during the construction period you pay interest on the amounts drawn from bouwdepot and principle on the loan. Once construction is complete, you begin paying full interest charges and continue to make principle payments.
If construction is delayed, the fixed-interest period or mortgage offer can be extended. However, this may incur additional costs. I will be happy to inform you further about this. Feel free to make an appointment!
In some cases, cancellation fees are charged after acceptance of the binding offer. This depends on the terms and conditions of the mortgage lender. The fees can range from no fee to 1% of the mortgage amount.
Yes, it is possible to transfer your mortgage during construction, but this can be complex and involve additional costs.
Besides the financing costs (such as notary, advisory and mediation costs) you also have to take into account a financial reserve for bearing double living expenses during the construction period. If you want to know more about this please contact me.
Not necessarily, but some banks do offer special interest rate discounts for newly built homes because they are often more energy efficient.
Yes, it is possible to increase your mortgage during the construction period, for example for additional extra work. However, this must be approved by the mortgage lender.
The hypotheekrenteaftrek works the same for new-build as it does for existing construction. You can deduct the interest you pay on your mortgage from your taxable income, which means you pay less tax.
Frequently asked questions about mortgage advice during divorce or separation
If one of you moves out of the house, he or she is generally no longer entitled to hypotheekrenteaftrek for that portion of the mortgage. The remaining partner can only continue to get interest deductions if the income is sufficient to bear the full mortgage costs. The belastingdienst may have specific rules in this regard.
Yes, if you want to adjust the mortgage, such as when transferring to one name or buying out your partner, it is often necessary to use a notary. The notary takes care of the adjustment of the title deed and the mortgage deed, so that everything is legally recorded correctly. I unburden you by guiding you through the entire process. For example, I have contact with the mortgage lender about how your modified mortgage should be and I make sure that the notary receives the correct information and instructions for modifying the deeds.
If you do not meet the income requirements, we may be able to use the 'explain scheme'. This arrangement offers more flexibility in assessing your mortgage application, taking into account alimony or other financial resources. I would be happy to help you identify your options.
The deed of partition is a notarized document that records how joint property, such as a house, will be divided after a separation. If you or your ex-partner continues to live in the home, the deed of partition makes arrangements for the home to be placed entirely in the name of the continuing partner. This document is essential to legally establish ownership and meet bank and land registry requirements.
If you buy out your partner, you must pay out his or her share of the home equity value. The home equity value is the difference between the current value of the home and the remaining mortgage debt. Suppose the home equity value is €50,000, you must pay your ex-partner €25,000 if you each own half. You can finance this amount by taking out a new or increased mortgage.
A mortgage with Nationale Hypotheek Garantie (NHG) provides additional security during a divorce. If you can no longer afford the mortgage payments after the divorce and are forced to sell your home at a loss, the NHG can absorb the residual debt loss. This prevents financial problems and provides a safety net, reducing the impact of divorce on your financial situation. The NHG management standards can also be used to make home preservation just that. Contact us for more information.
Yes, you are still entitled to hypotheekrenteaftrek after the divorce, but only for the portion of the mortgage related to your ownership of the home. If you continue to live in the house and put the entire mortgage in your name, you can deduct the interest, provided your income is sufficient. The departing partner loses the right to hypotheekrenteaftrek for that home unless he or she makes arrangements such as temporary co-ownership.
If you buy out your partner and put the mortgage in your name, the interest-only mortgage can continue, provided your income is sufficient to bear the full burden. The bank will make a new assessment of your financial situation. You can choose to keep the interest-only mortgage or to repay part of it. I will be happy to help you make the best choice for your situation. Make an appointment with no obligation.
Frequently asked questions about mortgage advice on leveraging Home-Equity value
There are costs associated with modifying your mortgage, such as notary fees, appraisal fees, and advisory and brokerage fees. I will give you a clear overview of all costs so you know where you stand.
That depends on how you use the excess value. If you increase your mortgage, your monthly payments may increase. With an 'opeethypotheek', you can choose to make no monthly repayments, which keeps your monthly expenses the same. I'd be happy to discuss all the options with you.
I can arrange an appraisal for you to determine the current market value of your home. Based on this appraisal and your current mortgage debt, I will calculate the home equity value.
Yes, even if you are retired, you can take advantage of your home equity value. There are specific mortgage products for retirees, such as the 'opeethypotheek', that help you generate additional income from your home.
Although it is not mandatory, I strongly recommend seeking mortgage advice. Leveraging home equity value is an important financial decision with long-term consequences. I'll help you make the best choices, tailored to your situation and needs.
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 chosen. I will guide you through the entire process to make everything go as quickly and smoothly as possible.
Frequently asked questions about mortgage advice on renovation and sustainability
Yes, the interest on a loan to remodel your own home is tax deductible in most cases, provided the loan is used to maintain or improve the home you live in.
If you don't have enough home equity value, you may want to consider taking out a personal loan. This can be an alternative for smaller renovations. The interest rate is usually higher than with a mortgage, but the loan is often available more quickly.
The maximum amount you can borrow depends on your income, the value of your home, and your existing mortgage debt. I would be happy to make a calculation for you so you know exactly what your options are.
The process of raising your mortgage can take several weeks to several months, depending on the complexity of your situation and how quickly you provide documents. A detailed remodeling plan and quotes can speed up the process.
Yes, you can use a mortgage increase for both maintenance and improvements to your home. Consider replacing a roof, renovating the kitchen or bathroom, or landscaping.
You usually need recent pay checks, a summary of your current mortgage, an appraisal report of your home and detailed remodeling plans or quotes. During an online consultation, I'll give you a complete list of required documents.
There are costs associated with modifying your mortgage, such as notary fees, appraisal fees, and advisory and brokerage fees. I will give you a clear overview of all costs so you know where you stand.
That depends on how you use the excess value. If you increase your mortgage, your monthly payments may increase. With an 'opeethypotheek', you can choose to make no monthly repayments, which keeps your monthly expenses the same. I'd be happy to discuss all the options with you.
I can arrange an appraisal for you to determine the current market value of your home. Based on this appraisal and your current mortgage debt, I will calculate the home equity value.
Yes, even if you are retired, you can take advantage of your home equity value. There are specific mortgage products for retirees, such as the 'opeethypotheek', that help you generate additional income from your home.
Although it is not mandatory, I strongly recommend seeking mortgage advice. Leveraging home equity value is an important financial decision with long-term consequences. I'll help you make the best choices, tailored to your situation and needs.
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 chosen. I will guide you through the entire process to make everything go as quickly and smoothly as possible.
Transparency and honesty are very important to me. That is why I use fixed rates for mortgage advice, taking into account your specific situation and wishes. Within this rate I arrange everything around the mortgage application for you, including advice and insurance. No unexpected or hidden costs. Please refer to the vergelijkingskaart.