What options do you have?

Move the terms and conditions of your current mortgage to a new home

There is an option to stay with the same mortgage lender. You may have an opportunity to move your home loan to a new property in the Netherlands. In this case, you can keep the same conditions and interest rates.

Same mortgage lender

Take out a new mortgage and receive more equity

You can always sell your property, pay your debt, and take out a new mortgage. If your financial situation has remained the same or improved, it will be easier to get approval for a new mortgage. If your house’s value increased in the last couple of years, you have more equity now. As soon as you sell your home, you will earn money from it, used for a new mortgage.

New mortgage lender

Move to a new home and keep your current property

If you want to keep your current property, you could consider refinancing the current mortgage. In some cases, you may end up paying a penalty fee. The early repayment fee depends on the difference between your interest rate and the bank’s current interest rates.


Selling your property before the mortgage term ends

You can sell your home before the mortgage term ends. The bank wants you to repay the mortgage debt without future interest payments. There is no penalty involved if you sell a property in the Netherlands.

The moment you sell the property, you visit the notary to take care of the legal deeds. They also handle the administration and registration of real estate ownership and mortgage registrations.

When selling a home, the mortgage lender sends the notary a repayment invoice. If the sale's outcome is favorable for you, so selling price minus the mortgage debt, the notary transfers the amount to your account.


Can I get a second mortgage?

Receive a full mortgage report:

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    Maximum second mortgage amount

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    Mortgage closing fess

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    Mortgage monthly payments

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    Tax-deductible fees

Meet the team
Sezer Yilmaz
Founder & Financial Specialist
Robin Uijtdehaage
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Egle Kemezyte
Growth Marketer
Özkan Karakol
Financial Specialist