Am I eligible to get a mortgage? How much can I borrow? What steps should I take?
The most crucial step in your home buying journey is your budget.
The maximum mortgage amount you can finance is 100% in the Netherlands.
Scenario 1: if you plan to purchase a property appraised at € 500,000, and your loan-to-income is € 450,000, then the bank borrows you € 450,000. The amount of € 50,000 should come from your savings.
Scenario 2: if you plan to purchase a property appraised at € 500,000, with a loan-to-income of € 550,000, the bank borrows you € 500,000.
Online calculators are not accurate enough to determine your maximum mortgage. Holiday payments, bonuses, and business stock can impact your maximum mortgage.
Mister Mortgage offers a full mortgage report. First, we arrange a 10-minute call to learn more about your goals. We ask you to upload documents to our online portal. You receive a fully customized mortgage report which includes your maximum mortgage, monthly payments, closing fees, and tax-deductible fees.
What’s next? Now you are ready to search for your dream home.
Asking price: € 385.000
Closing fees: € 19.300
Monthly payments: € 1.524
Salary needed: € 72.000 ( alone or together )
Asking price: € 450.000
Closing fees: € 21.575
Monthly payments: € 1.781
Salary needed: € 81.000 (alone or together)
Asking price: € 675.000
Closing fees: € 29.450
Monthly payments: € 2.671
Salary needed: € 117.000 ( alone or together)
During the 10-minute call, we discuss your eligibility and answer your questions. We invite you to our online mortgage portal if you choose to work together.
10-minute intake call.
We set up a mortgage overview based on the uploaded documents. Your mortgage report includes monthly payments, closing fees, and tax-deductible fees.
Time to start looking for a dream home. Feel free to contact us when you find a property. We update your online mortgage report accordingly.
Congratulations! Contact the Mister Mortgage team to start the mortgage application process as soon as your bid is accepted.
It's time to collect documents for the mortgage application. We arrange a meeting to discuss possible mortgage lenders before we submit your application.
45- minute call
We select the best mortgage lender and manage all required communication with your mortgage lender.
When your mortgage is approved, it is time to sign a mortgage agreement. We apply for a binding offer as well as a bank guarantee.
We arrange the final meeting to discuss insurances and future scenarios, including disability, unemployment, retirement, and passing away.
Future financial analysis
Your notary sends you a statement of completion with closing fees. In the Netherlands, you pay closing fees the day you visit the notary.
Visit the property before you sign a transfer of ownership at the notary's office. Has the property benefit as promised?
Time to receive your keys and celebrate, you became a homeowner in the Netherlands.
Collect your keys
Maximum mortgage amount
Monthly mortgage payments
Tax deductible fees