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Taking out a mortgage yourself

With the help of our mortgage coach

From
€ 625,00
  • Fixed mortgage coach who will help you with your application
  • Simple online application process
  • You only pay a handling fee

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.

Step-by-step guide to Mortgage Self-Service

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.

One

Go over your options with a mortgage coach

Make an appointment with a mortgage coach. Discuss together what you want in a mortgage and whether Mortgage Self-Service is right for you.

Two

Take the knowledge and experience test

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.

Three

Submit documents

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.

ABN AMRO

Get the interest offer

Sometimes additional documents are needed. If so, your mortgage coach will explain the details. After that, the assessment of your mortgage application starts.

ABN AMRO

Your mortgage is done and dusted!

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!

More information about Mortgage Self-Service

Fees

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. 

Discount on your mortgage interest

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.

The conditions

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.

More information about Mortgage Self-Service

Fees

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. 

Discount on your mortgage interest

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.

The conditions

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.

ABN AMRO

Prefer to take out a mortgage with an adviser?

If you would like more help from a mortgage adviser before taking out a mortgage, don’t worry! You can switch from Mortgage Self-Service to Mortgage With Advice at any time during the process.

Frequently asked questions

Very important. If you don’t pass the knowledge and experience test, you can’t take the Mortgage Self-Service option. The knowledge and experience test allows us to assess whether or not you truly know everything you need to know about mortgages and the conditions to be able to make a responsible choice.

‘Execution only’ is another term for Mortgage Self-Service, i.e. it means that you take out your mortgage yourself, without the assistance of a mortgage adviser.

Yes, they are. All fees you pay in taking out a mortgage are tax-deductible on your income tax return. This includes mortgage advice fees, but also the handling fee you pay for Mortgage Self-Service. Include these fees on your income tax return for the year in which you took out the mortgage.

The mortgage coach will go over your application with you in a video call. If you have any questions after that, or you want to make any changes to your application, you can always give your mortgage coach a call using the contact details provided after the first video call.

In a services document, we explain what you can expect from us when you take out a mortgage with us, for example. It also sets out what we expect from you, and it details where to go with questions or complaints.

Reasons for taking out a mortgage from ABN AMRO

Support from A to Z

A personal mortgage adviser: from the early stages of your house hunt until the mortgage has been secured.

25 years’ experience

Dutch mortgage market leader and expert in expats.

Service in English

The whole process and mortgage application are in English, with English-speaking mortgage advisers.