New-Build mortgage? Get informed!
Building a new home can be overwhelming, but financing it doesn't have to be. I'll help you understand your mortgage options, navigate the process, and secure the best possible terms for your new home, so you can focus on the excitement of building your new home.
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Financing your new-build home
New construction mortgages often involve different timelines, payments,
and considerations compared to traditional mortgages. I'm here to provide
expert advice and help you make informed decisions.
Flexibility & convenience with a bouwdepot
Did you know you can finance those extra features in your new home, like a dormer or extension? You only pay interest on the amount used from your construction deposit. As your home is built and you draw down on the deposit, your interest payments will increase. Once construction is complete and the deposit is empty, you'll start paying your full mortgage costs.
Additional work, such as a dormer or an extension, can also be 100% financed. You only pay interest on the amount withdrawn from bouwdepot. As the construction progresses, you pay more interest. When construction is finished and the deposit is empty, you start paying your full mortgage costs.
Possible higher mortgage and interest rate discount when purchasing an energy efficient home
Many new construction homes have green certificates and are more energy efficient than existing homes. A green certificate means the home meets certain sustainability requirements and environmentally friendly construction methods. And that's attractive to mortgage lenders. That's why they regularly offer interest rate discounts on a mortgage for a new-build home or a higher mortgage is possible.
Would you like insight into your savings potential? I would be happy to find out everything for you, give you tailor-made online advice and mediate with the lenders. So that you get a mortgage with the best conditions that suits your personal situation.
Understanding double housing costs
I understand the complexities of financing a new construction home while managing existing housing expenses. I'll help you develop a comprehensive financial plan that takes everything into account.
Calculate your maximum mortgage and compare interest rates
Would you like to know how much you can borrow for your new-build home? Or are you curious about the lowest mortgage interest rate at the best conditions?
With these handy tools, I'll help you get started:
Your dream home, stress-free. We'll take care of it.
"Calculating your maximum mortgage and monthly payments is just the first step. I'm committed to ensuring you have a smooth and stress-free experience, handling all the details so you can relax and enjoy your new home."
- Shariff
Over 600 other
homebuyers
went before you
5.0
Communication with Shariff was excellent. I could easily reach him via email, WhatsApp, or phone, and he always responded promptly. He was also great at explaining things clearly whenever I had questions.
Thom
Highly skilled and professional advisor! They possess a wealth of knowledge and experience, and actively contribute ideas tailored to your unique circumstances. The application process was incredibly quick too!
Jodie
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.
Do you have other questions? Please contact me. I'd love to help you!