Taking out a mortgage yourself
With the help of our mortgage coach
From
- 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.
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.
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.
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.
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.
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!

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
How important is the knowledge and experience test?
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.
What is ‘execution only’?
‘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.
Are the fees for Mortgage Self-Service tax-deductible?
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.
How do I get in touch with my mortgage coach?
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.
What is the services document?
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.