Mortgage advice
from a specialist adviser
from
- You’ll always get help with the application process
- A mortgage that matches your personal situation
- The adviser will point out any risks
Do you want a new mortgage? Or do you want to change your current mortgage? We’d be happy to arrange an advice appointment and help you find the right mortgage.
Taking out a mortgage with the help of an adviser
1. Free orientation consult
You and your mortgage adviser discuss your options during a free orientation consult.
2. Find a home
Your mortgage adviser can explain exactly how the process of buying a home works. You can also take a look at our step-by-step guide to buying a home.
3. Arrange a mortgage
Your mortgage adviser will advise you about which mortgage is best for your situation at an advice meeting.
Fees for mortgage advice
If you want personal advice about taking out or changing a mortgage, you will be charged advisory and handling fees. The amount you pay depends on your situation.
This is what you’ll discuss during the advice meeting
1. The maximum amount you can borrow
The mortgage adviser will calculate exactly how much you can borrow on a mortgage. If you’d like to know beforehand roughly how much you can spend on a house, calculate your maximum mortgage online.
2. The type of mortgage
The type of mortgage refers to the way you repay the mortgage loan. You can choose an annuity, linear or interest-only mortgage, for example. The adviser will help you make this decision, and advise you if you need a mortgage shortfall loan.
3. Mortgage interest
You will always be charged the current interest rate when you take out a mortgage. You can choose to fix your interest rate for a specified period so that you know exactly how much interest you’ll pay every month. This is known as a fixed-rate period.
You can also opt for a variable interest rate, which means that the interest rate can rise or fall every month. The amount you pay in interest will therefore also vary, which means that you will never be quite sure of your monthly payments.
The adviser can explain the ins and outs and tell you what the current interest rate is.
4. Monthly payments
Do you want to know what your maximum monthly payment would be? Or compare the monthly payments for various mortgage types and interest rates? The adviser can show you what your monthly repayments would be. They can also explain about temporarily having to pay for two homes if this applies in your situation.
5. Risks and insurance
When taking out a mortgage, it’s important to consider certain situations that you’d normally rather not think about. For example: What happens to the mortgage if you die? Or if you become incapacitated for work or lose your job? And what are the risks when you retire? The adviser will discuss various risks with you and explore ways to limit or insure these risks.
6. Documents for the mortgage advice meeting
The more information you give the adviser, the better. Take a look at the checklist to see what you should bring to your first mortgage advice meeting.
7. Fees for mortgage advice
The initial orientation meeting is free, with no strings attached. After that, you will be charged advisory and handling fees. These is a fixed fee that do not depend on your mortgage amount.
Free orientation meeting
Taking out a mortgage is no trivial matter. We understand that this can be an intimidating process with huge implications. During a free, no-strings-attached orientation meeting, one of our mortgage advisers will explain the ins and outs of taking out a mortgage and talk you through the various options.
Frequently Asked Questions about mortgage advice
What is an advisory report?
During the mortgage advice meeting, the adviser calculates your maximum mortgage and advises you about the type of mortgage and the interest rate. You will also discuss the financial risks, for example if your income drops. After the meeting, you’ll receive a detailed advisory report so that you can re-read everything.
How does advice via Video Banking work?
Mortgage advice, when and where it suits you. We can offer this via Video Banking. You can talk to the mortgage adviser via the webcam and share the documents you need via a link on the screen.
How can I upload my documents?
It’s a good idea to spend some time preparing if you have an orientation or advice meeting coming up. Get a head start by logging in to your Personal Environment, uploading the required documents, such as your payslip or employer’s statement, and sharing them with the adviser. This way, your adviser will go into the meeting knowing more about your personal situation. Take a look at the checklist.
Which home insurance do you need?
Do you want to insure your home immediately? Our home contents and buildings insurance policies complement each other perfectly. This gives you peace of mind that you will be well insured. Take a look at our home insurance range.
What are the conditions for taking out a mortgage?
The comparison chart tells you what you can expect if you take out a mortgage with us. It also sets out what we expect from you, and explains where to go with questions or complaints. Take a look at the comparison chart.
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.