Neo Hypotheken mortgage

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 4 juli 2024
Dutch version Neo Hypotheken is part of N26 Bank and has been active in the Netherlands since 2023.

I am a Certified Mortgage Planner and below I share my experiences with Neo Hypotheken. I indicate the advantages and disadvantages and tell you more about the mortgage interest rate of Neo Hypotheken.

Would you like to compare interest rates and conditions of Neo Hypotheken? Then schedule a free meeting with me..

Pros

• No paper, but digital
• Unlimited penalty-free repayments
• Automatic interest rate reduction with lower risk.
• Use the mortgage partly for other expenses.

Cons

• No mortgage for entrepreneurs
• No mortgage in combination with starter loan from the municipality
• No mortgage in combination with with purchase and subsidy scheme

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 Neo Hypotheken

Neo Hypotheken was founded on February 9, 2023. It is a brand of N26 Hypotheken, a subsidiary of N26 Bank AG from Germany. This bank has been around since 2013 and is active in about 25 countries.

What are the funding sources for Neo Hypotheken?

Neo Hypotheken is a so-called “fintech” bank. Neo receives the money through Neo Hypotheken is a subsidiary of a German bank, N26 Bank AG, this may be an unfamiliar name to you and it may feel less familiar.

Mortgage interest from Neo Hypotheken

Rente Neo, Attens, Lot, Munt

Neo Hypotheken is a price fighter and is often in the TOP 3 of providers with the lowest mortgage interest rates. Other mortgage providers compete with Neo and also offer low interest rates. Therefore compare all interest rates with each other:

Is Neo Hypotheken reliable?

Neo Hypotheken may feel less familiar because it is a new, unknown mortgage provider.

Neo has a license from the Netherlands Authority for the Financial Markets (AFM), the strictest supervisory authority in the Netherlands. This ensures reliability, because the mortgage provider must work according to the rules of this regulator.

Neo is also affiliated with the independent complaints institute, Kifid. If you have complaints about Neo in the future, it is possible to go to Kifid. This person will then make a final decision on the complaint, so it is not necessary to go to a judge.

What is my experience with Neo Hypotheken?

I have mentioned the advantages and disadvantages of this mortgage provider, but I can also indicate what experiences I have with Neo Hypotheken.

Neo works a lot online. You have to arrange a lot from an app, for example uploading ID proof, income details and bank details.

I notice that some people like this, while others find it a lot of hassle. In addition, some people do not immediately trust uploading important documents via an app

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.

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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