Mortgage advice
that fits your needs
How do you find the best mortgage? There are different types of mortgages and there is a wide range of mortgage providers. And every situation is different. Be well informed so that you can find a mortgage that suits your personal situation.
What are your mortgage
needs?
Client Reviews
Closing a mortgage, how does it work?
Orientation
Orientation
What are your needs and options?
If you want to buy a house, it's helpful if you know what your budget is. What costs and monthly expenses should you take into account? During an online meeting we discuss your housing needs, your financial possibilities and the points of attention.
Completely free of charge, you pay nothing for this consultation!
After the meeting:
- You will have a preliminary indication of your maximum mortgage amount;
- it is clear whether and how much of your own contribution is needed;
- you know your monthly expenses.
Providing the clarity you need to confidently move forward and make an offer.
Inventory
Inventory
Getting a clear understanding of your current situation.
Was your offer accepted or did you get in for that beautiful new-build home? Congratulations! After you've agreed to our services, we get to work. In an online conversation we will discuss your specific financial needs and goals for the future.
Upload your data in your personal account
In your personal online account you can safely and easily upload all necessary documents and information. Where and when it suits you. How convenient!
Copy of ID / Passport / Resident Permit
Copy of bank statement
Salary slip / Financial statements and/or tax returns / recent pension statement
Employer Statement
Draft purchase agreement
Appraisal Report
Analysis & advice
Analysis & advice
All information clearly explained to you
After a detailed analysis of your data, wishes and goals, I compare and select mortgages and possibly insurances that fit your situation. You will receive a financial plan report in which everything is clearly listed.
This report also identifies and assesses your potential financial risks. This gives you a clear picture of your financial situation in any circumstance, including situations like disability, unemployment, or even death.
We'll schedule a personal online consultation to review the financial plan in detail, where you can ask any questions you may have. In fact, we encourage it!
Application
Application
Sign for your mortgage & insurance
Once you give the go-ahead, I'll take care of everything: applying for the mortgage and insurance, coordinating with the appraiser, real estate agent, and notary, and even securing the bank guarantee. I'll keep you informed every step of the way.
You'll receive regular updates throughout the process, and you can also monitor the status of your mortgage application anytime in your online portal.
After you sign the necessary documents and receive final approval, I'll take care of submitting everything to the notary promptly, allowing you to get a head start on planning your relocation!
Aftercare
Aftercare
Aftercare you can count on!
We constantly monitor the market and calculate in the background whether refinancing your mortgage offers financial benefits. As soon as we see an opportunity, we will contact you directly. This way you are always assured of the lowest monthly costs.
We believe that a good mortgage advisor should be of value even after the mortgage is closed. 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? Or does something change in your personal situation? Feel free to contact us! Whether that's after one year or ten years from now.
Which mortgage
is right for me?
Currently, you can choose from three different mortgage forms or a combination of them. A annuity mortgage, linear mortgage or interest-only mortgage.
Before 2013, you could also take out other mortgage forms. Think Spaarhypotheek, Levenhypotheek or Beleggingshypotheek. Do you have a mortgage that falls under one of these mortgage forms? Then you can often take it with you to your new home.
Annuity Mortgage
Are you in no hurry to pay off your mortgage? Or do you expect to have more and more spending space during your repayment period? Then a annuity mortgage is often the most appropriate.
Linear mortgage
Do you want to pay off a relatively large amount of your mortgage right away, so that your spending space is bigger at the beginning? Or do you expect to earn less over time, for example? Then linear mortgage is often appropriate, because you pay off a relatively large amount right away.
Interest-only mortgage
Want a lower mortgage burden? With a interest-only mortgage, you pay off nothing during the term of your mortgage and pay only interest.
Shariff Roling | Mortgage advisor
Not sure which
mortgage type is best for you?
No problem! I'll help you explore the options and find the perfect fit for your situation.
Free of charge and non-binding
More than 35+
mortgage lenders
Your financial situation is unique, so your mortgage should be too. We search through mortgages from 35+ lenders to find your perfect match, ensuring you get the best possible rates and terms for your specific needs and goals.
100% independent
advice
Your financial situation is unique, so your mortgage should be too. We search through mortgages from 35+ lenders to find your perfect match, ensuring you get the best possible rates and terms for your specific needs and goals.
Together we achieve more!
"My goal is to make your homeownership dreams a reality. Leveraging my expertise and network, I'll handle all the complexities of securing a mortgage, allowing you to focus on the joy of settling into your new home."
Frequently asked questions
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.
Do you have other questions? Please contact me. I'd love to help you!