Applying for a mortgage without advice

How to take out a mortgage without receiving advice

Taking out a mortgage without advice

If you know a lot about mortgages, you may sometimes be able to take out or change your mortgage with us without receiving advice. This will save you money, however you can only do it if:

Your situation is appropriate
You pass the knowledge and experience test first

When you can take out a mortgage without advice

You can take out a mortgage without receiving advice if you:

are taking out a mortgage for the first time
want to remortgage
want to increase your mortgage

Make an appointment

Find out more about taking out your mortgage yourself

Knowledge and experience test

The compulsory knowledge and experience test will show you whether you know enough to take out a mortgage without receiving advice and whether you are aware of the risks. If you pass this test, you can take out a mortgage without receiving advice, provided your situation is appropriate. The test takes approximately 20 minutes.

Take the knowledge and experience test

What you can take care of yourself using Internet Banking

Additional repayments
Changing your interest rate. Both during and at the end of your fixed-rate period.
Changing the mortgage type

Find out more about 'My Mortgage'

Your partner

Your partner also needs to take the test if:

you are married/registered partners
the existing mortgage is registered in two names
you are applying for a mortgage based on two incomes
your partner will be joint-owner of the property

Fees for taking out a mortgage without advice

If you take out a mortgage without receiving advice first, you will not be charged an advice fee, but you will be charged a handling fee. These fees are fixed and cannot be changed.

Fees for a mortgage without receiving advice

Signing the mortgage deed before the notary

Your mortgage details will be sent to the notary of your choice. Once the notary has received all the required information, he or she will arrange an appointment with you so you can sign the mortgage deed. Please remember that the mortgage deed needs to be signed by a certain date. This date is specified in your offer.

Find out more about the mortgage offer terms and conditions

Reasons for taking out a mortgage from ABN AMRO

Best mortgage lender 2019

Fast, professional and flexible. ABN AMRO has won no less than 2 Golden Lotus Awards.