Know what you can borrow.Before your firstviewing.
Enter your income and see what's possible right away.
Everyone has their own story.What's yours?
Whether you're buying your first home, upsizing, or improving your mortgage. It starts with the right conversation.
Different situation? Get in touch, I'm happy to think along.
It can be this simple.
You know exactly what you can borrow. Your monthly payments are clear. And from 45+ lenders, the best option for your situation has been selected. By an independent mortgage advisor who takes the time. That same week.
You find a home. With every offer, you have a financial statement ready. Someone with property expertise assesses the house with you, advises on your offer, and is beside you at the notary.
No call center. No transfers. One dedicated point of contact, from first consultation to key handover.
One person. From start to keys.
No call center, no transfers. One number for everything.
You know exactly where you stand
How much can you borrow? What will your payments be? What's smart and what isn't? Honest answers. No sales pitch. 45+ lenders compared.
Someone who searches with you
You don't have to do it alone. Viewings. Market analysis. Whether the home is worth its price. Someone with property expertise next to you.
You bid with confidence, not crossed fingers
With every offer: a financial statement. The seller's agent sees you can pay. That makes the difference when there are multiple bidders.
Everything's handled when you get the keys
The bank application. The deed check. Contact with the notary. You don't need to repeat your story. One person handles everything. You sign.
From first click to keys.
Three steps. One point of contact.
I listen and calculate
It starts with a conversation. Not about products, but about your plans. What do you dream of? What's realistic? I compare 45+ lenders and explain everything in language you understand. Fully online, no travel, but personal contact.
I search and bid with you
If you want, I search with you. Viewings, market analysis, advice on what a home is worth. And when you bid: a statement that shows the seller you're serious. You don't bid higher, you bid smarter.
I handle everything until the keys
The bank application. The deed check. Contact with the notary. You sign. And if three months later you have a question, you call the same number.
Curious what you can borrow?
No call center. Just Wouter.
500+
mortgages guided
17
years in the mortgage industry
45+
lenders compared
1
dedicated point of contact
The first stories are on their way.
I am asking the clients I guided over the past years to write down their experience. As soon as they come in, you will read them here in their own words, with name and situation. A handful of real stories beats a page full of polished words.
- 500+ mortgages guided
- 45+ lenders compared
- 17 years of experience
Want to share your experience? After completion you'll receive an invitation.
Good question.
That depends on your income, fixed expenses and the energy label of the property. The calculator at the top of this page gives you an indication in 10 seconds based on the current NIBUD standards for 2026. For an exact calculation, book a free orientation call.
I charge the Hypotheek & more rate. The exact costs are discussed in a free 30-minute orientation call. No surprises afterwards, no fine print. The orientation call itself is always free and without obligation.
Yes. Most lenders require at least one year of financial statements, some two or three. Every bank calculates differently. I know which lenders are most flexible with variable income and which fit your business structure. In 17 years I've helped hundreds of entrepreneurs.
You can borrow up to 100% of the property value. The additional costs (notary, appraisal, advice) you pay yourself. First-time buyers aged 18-35 (property up to €555,000) pay 0% transfer tax and can expect about 2% in additional costs. Other buyers pay 2% transfer tax and should budget about 4% of the purchase price.
NHG stands for Nationale Hypotheek Garantie (National Mortgage Guarantee). In 2026 the limit is €470,000 (€498,200 with energy-saving measures). The one-time premium is 0.4% of the mortgage amount. If your mortgage is below the limit, you pay a lower interest rate and you're protected in case of forced sale. The premium often pays for itself within two years through lower interest.
A bank advisor only compares products from their own bank. I compare 45+ lenders and advise what fits your situation best. That can mean thousands of euros difference over the term. On top of that, I also help with searching, viewing and bidding. You won't get that at a bank.
Yes. With a temporary contract, annual contract or letter of intent from your employer there are options. Some lenders even accept a probation period. It all depends on your specific situation.
You get an indication instantly via the calculator. The full advisory process takes 2 to 4 weeks on average. After that the bank needs another 4 to 6 weeks for the final offer. Already made an offer on a house? We get started the same day.
Yes. I've been working with Mariusz from MOJKA Finance for over 9 years. Together we've helped 50+ Polish families. The entire process can be in Polish or English. Everything is explained, even if the Dutch system is completely new to you.
A financial statement (financieringsverklaring) is a document proving you can get a mortgage for the amount you're bidding. Sellers and agents take bids with a statement more seriously. With me you get one as standard with every bid. No extra charge. It's part of my service.
One conversation. That's all it takes.
No obligations, no sales pitch. Just 30 minutes where I listen to your situation and tell you what's possible. After that, you decide.
No catch. Just a good conversation.
Prefer to call first? +31 6 22 13 14 29Free orientation call · 30 minutes · No obligations
Mortgage advice is provided through Hypotheek & more, an AFM-registered financial service provider.