Applying for a mortgage without advice

How to take out a mortgage without receiving advice

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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
  • you are tax liable in the Netherlands

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.

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

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
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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.

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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.

Reasons for taking out a mortgage from ABN AMRO

Schedule your appointment

Schedule your appointment online: same-day service, if available.

Video conferencing with an adviser

Where and whenever you like. Use your computer, smartphone or laptop.

Making changes to your mortgage yourself

Your options range from changing your interest rate to making additional repayments. Just use the ABN AMRO online self-service.