If you know a lot about mortgages, you may be able to arrange your mortgage yourself in some cases, without advice. This is possible when taking out a new mortgage, but also when increasing or changing your existing mortgage, or when remortgaging. Take a look at the step-by-step guide and more information.
Find out how the self-service approach to taking out a mortgage works. If you have any questions along the way, don’t worry. Our mortgage coaches are always here to help. And if you’d prefer mortgage advice after all, you can switch at any time during the process.
Make an appointment with a mortgage coach. Discuss together what you want in a mortgage and whether Mortgage Self-Service is right for you.
The knowledge and experience test is compulsory. It is how we assess whether or not you know enough about mortgages and are aware of the risks you may be exposed to.
Your mortgage coach will tell you exactly what documents you need and will go over the mortgage application with you. After that, your mortgage application will be processed.
Sometimes additional documents are needed. If so, your mortgage coach will explain the details. After that, the assessment of your mortgage application starts.
If your mortgage application is approved, you will receive a binding mortgage offer. Sign it within 14 days and your mortgage is done and dusted!
If you choose Mortgage Self-Service, you will not be charged for mortgage advice. You will, however, be charged a handling fee to cover the costs incurred to set up your mortgage. This is a fixed fee, i.e. it does not depend on the amount you borrow on your mortgage. You can take out your mortgage yourself from €600.
Like other mortgage application options, Mortgage Self-Service may come with a discount on your mortgage interest rate. You will get a discount, for example, if you have a current account with ABN AMRO that your income is paid into, or if you are eligible for a sustainability discount. You can even combine both discounts for even more savings.
Taking out a mortgage yourself is subject to several conditions. It is important, for example, that you know enough about mortgages and pass the knowledge and experience test. Self-service is often an option when taking out a new mortgage or when increasing or changing your current mortgage. If you intend to borrow more on your mortgage to pay for energy-efficiency measures, bear in mind that the technical life of those measures often does not match the standard term of a mortgage. So we recommend that you align the mortgage term with the technical life of the measure you are implementing.
Client discount if you have an ABN AMRO payment package. And a sustainability discount when you buy an energy-efficient home or take further sustainability measures.
To find out more about your options, make an appointment for an orientation meeting, free of charge. Wherever and whenever suits you best, by telephone or in a video call.
You can view and change your mortgage yourself on Internet Banking. From changing the interest rate to making additional repayments. It’s secure and easy.
