Roel Wonders Strijps Eindhoven

Mortgage advisor in Eindhoven

Geschreven op: maart 5, 2024
Looking for an experienced mortgage advisor in Eindhoven? I am Roel Wonders, a certified mortgage planner, with over 10 years of experience in the Dutch mortgage market.

I advise expats who need a mortgage to buy a house in the Netherlands.

Are you an expat and would like to know how much you can borrow, what the monthly payments of a mortgage are, what the lowest interest rate is, and which banks have the best terms? Then schedule a conversation with me now.

Independent advice

You will receive independent advice from me. It means that I am at your service, not at the service of a mortgage lender.

It is important to mention this because many lenders do not provide independent advice. Large banks that have an office in Eindhoven, such as ABN AMRO, ING, and Rabobank,  only sell their own mortgages. They can not  search for the mortgage with the lowest interest rate and best terms. They are dependent on their own mortgage products and therefore not independent.

It is important to mention this, as even many Dutch people do not know the difference between independent and dependent mortgage advice. As an independent advisor, I therefore provide independent advice.  If you want advice, schedule a free appointment.

How many mortgage providers do I compare?

In the Netherlands, many mortgage providers are active, as the Netherlands is an interesting country for mortgage providers. This is because house prices are relatively high and people borrow a lot. It is possible to finance 100% of the value of the property, and the government encourages people to take out a mortgage with tax benefits.

These mortgage providers compete with each other and offer different interest rates for various fixed-rate periods. Additionally, mortgage lenders have their own conditions and unique selling points.

Only by comparing the interest rates and conditions can we find the best mortgage for you. The more mortgage providers compared, the greater the chance, of course, that you find the best mortgage.

I compare the interest rates and conditions of all mortgage providers active in the Netherlands. There are about 40 mortgage providers. Sometimes, these mortgage providers have multiple mortgage products. I include all of these in my comparisons.”

If you’d like a free comparison of all interest rates and terms from all providers, please schedule a meeting with me.

How much does a mortgage cost?

Roel Wonders Eindhoven Strijp

Securing a mortgage is not free. You will incur various costs along the way. The costs of a mortgage can be divided into different groups:

1. The monthly costs

The most important expense is the interest on the mortgage. This leads to the monthly payments (together with the repayment), often for a duration of 30 years. The higher the current interest rate, the more expensive the mortgage becomes. You can view the lowest Dutch interest rates here.

The mortgage interest rate, along with the chosen repayment method, determines the amount of the monthly costs. You can have me make a free calculation of the monthly charges. If you want to have a free calculation made of the monthly costs for your mortgage, then schedule a conversation with me.

Good to know: In 2024, an annuity mortgage of 400,000 euros with a term of 30 years and a mortgage interest rate of 4.5% has gross monthly charges of 2,026.74 euros.

2. Property transfer tax in the Netherlands

When you buy a house or appartment in the Netherlands, you pay property transfer tax.

The tax rate is 2% of the purchase price of the property. So, for example, if you buy a house for 400,000 euros, you must pay 8,000 euros in transfer tax. The amount of this transfer tax is the same everywhere in the Netherlands, so in Eindhoven, it’s the same as in cities like Den Haag, Rotterdam, or Amsterdam.

First-time homebuyers may qualify for an exemption. They do not have to pay transfer tax in that case. This exemption also applies to you as an expat if you meet the following conditions:

  • You are younger than 35 years old
  • You have not yet used the exemption to avoid paying transfer tax
  • You are purchasing a property for less than 510,000 euros

If you want to make sure whether you qualify for this exemption, feel free to schedule a meeting with me, and I’ll look into it for you free of charge.

3. NHG-costs

For homes up to 435,000 euros, it is possible to take out a mortgage with Nationale Hypotheek Garantie (NHG). This is a Dutch guarantee scheme that provides protection if your home has to be sold involuntarily because you can no longer afford your mortgage.

The guarantee scheme ensures that you do not remain with a residual debt if the property yields less than the outstanding mortgage debt. The Foundation for Guaranteed Housing then takes over this debt for you.

This assurance does come at a cost. You have to pay 0.6% of the mortgage amount to the Foundation for Guaranteed Housing. For example, for a mortgage of 400,000 euros, that would be 2,400 euros in additional costs.

If you take out a mortgage without NHG, you naturally do not pay NHG costs.

Good to know: Because the bank also faces less risk, it offers a discount on the interest rate for a mortgage with NHG. So, while this scheme incurs an initial cost, it results in a reduction in mortgage interest rates.

4. Appraisal, notary, and advisory fees

You should also consider appraisal fees, notary fees, and costs for mortgage advice.

Appraisal costs range from 500 to 1.000 euros. Notary fees are approximately 1.000 euros, and mortgage advisory costs range between 2.500 and 3.000 euros. You cannot borrow these additional costs through the mortgage and therefore need to have savings to cover them.

If you want to know the excast costs for your situation, feel free to schedule a meeting with me.

Good to know: You pay me for my services based on a ‘no cure, no pay’ arrangement. You only pay from the moment you sign all the deeds at the notary to finalize the purchase.

Housingmarket in Eindhoven

Eindhoven is a highly popular city for both Dutch citizens and expatriates. Known as an innovative region, Eindhoven boasts numerous technological companies. Philips originated in Eindhoven, and neighboring Veldhoven is home to technology giant ASML. Additionally, Eindhoven houses DAF Trucks, a leading truck manufacturer.

Furthermore, Eindhoven is host to the Eindhoven University of Technology. These major, innovative companies generate abundant employment opportunities, making Eindhoven an attractive place to reside. Moreover, the presence of universities and schools attracts a steady influx of students.

The allure of (international) entrepreneurs, employees, and students results in a high demand for housing.

This leads to an upward pressure on housing prices. Consequently, Eindhoven is not the most affordable region to live in, but it is more affordable compared to, for example, Amsterdam. Fortunately, various initiatives are being launched to ensure more housing options, providing ample opportunities in the Eindhoven housing market for expatriates.

Discover the opportunities available in the Eindhoven housing market and schedule a free consultation with me now.

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