Centraal Beheer mortgage

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 1 juli 2024
Dutch version Centraal Beheer is part of Achmea Hypotheken and offers the Leef Hypotheek.

The Living Mortgage offers a number of pros and cons. The mortgage provider has competitive interest rates, especially for long fixed-rate periods.

I am a Certified Mortgage Planner. I know the terms and conditions of Centraal Beheer and have experience with this provider. Do you want to know whether Centraal Beheer Leef has the best interest rate and conditions? Then schedule a free consultation with me.


• Unlimited penalty-free repayments with your own money
• Use interest rate averaging when interest rates fall
• Rental income counts towards the maximum mortgage
• Options despite BKR registration


• Extend the validity period of the mortgage offer: 0.25% costs per month
• Overtime and commission: take up to 25% for maximum mortgage
• No mortgage for car dealers and catering entrepreneurs

Curious about your maximum mortgage? Wondering if this or one of the other 37 mortgage providers has the best rates and terms for you? Schedule a free consultation with me..

Joost en Roel huis

Joost van Herpen & Roel Wonders EHP

About Centraal Beheer

You probably know Centraal Beheer from the advertisement with the well-known slogan: ‘Just call Apeldoorn’. Centraal Beheer is a well-known insurer that sells insurance, mortgages and savings products.

Centraal Beheer is a direct writer. This means that you as a customer can purchase the products directly. It is also a well-known provider of cheap car insurance.

In the field of mortgages, the company increasingly sees the added value of independent mortgage advice. That is why most mortgages are taken out through a mortgage advisor.

What are the funding sources for Centraal Beheer?

Centraal Beheer is a major player in the Dutch non-life insurance market. The company receives a lot of premium money, which is lent out in the form of mortgages.

The bank also receives money from Achmea Bank. This money comes from savings accounts.

Mortgage interest from Centraal Beheer

Centraal Beheer, Obvion, Florius en Aegon

Centraal Beheer is part of Achmea Hypotheken. Centraal Beheer offers the Leef Hypotheek.

This mortgage has a particularly competitive interest rate for the 10-year fixed interest period. In addition, Centraal Beheer has good rates for a mortgage with NHG for a long fixed interest period of 20 and 30 years.

Is Centraal Beheer reliable?

Centraal Beheer can be seen as a reliable bank. It is a well-known name in the Netherlands.

The company operates from Apeldoorn and is part of Achmea. Achmea is the largest insurer in the Netherlands and the 8th largest mortgage provider. The fact that Achmea supports Centraal Beheer creates trust.

What is my experience with Centraal Beheer?

I have had fairly positive experiences with Centraal Beheer and regularly take out a mortgage with this provider.

Centraal Beheer has outsourced many activities to other organizations, which means I have less personal contact with the bank. It is therefore sometimes more difficult to present situations that are not standard.

In my opinion, the Leef Hypotheek is a good mortgage with many benefits and a competitive interest rate.

If this mortgage provider is not the best for you? Then one of the 37 other providers might be better Schedule a free consultation with me to find out.

Extensive pros and cons

Below are the pros and cons:


  • You can make unlimited additional repayments from your own money without penalty.
  • If interest rates fall in the future, you can use interest rate averaging once during your fixed-rate period to reduce your interest rate.
  • If you have a loan that you repay automatically every month, the actual burden is taken into account.
  • Rental income can be included as income for the mortgage application.
  • Do you have 1 BKR registration? Then you can take out a mortgage with Centraal Beheer if it is a restored A or A1 registration on a revolving or expiring credit.


To extend the validity period, you will pay extension costs if the interest rate increases. The costs are 0.25% of the amount to be borrowed per month.
Do you have a position where you receive a lot of overtime and commission? Centraal Beheer includes these income components for a maximum of 25% of your gross basic salary.
Are you an entrepreneur active in the catering or car trade? Then you cannot take out a mortgage with Centraal Beheer.

We do our best to keep the conditions up to date, but mortgage providers may change their conditions. Schedule a free consultation with me so that we can discuss the most current conditions and pros and cons.

Roel Wonders Review
Roel Wonders

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