Buying a house together

Buying a house together? That’s great to hear! At Crefin & Partners, we are happy to help you arrange the right mortgage that perfectly suits your joint situation.

As mortgage advisors, our mission is to make everything clear and transparent, so that you can buy your dream home stress-free. Feel free to request a free, no-obligation consultation and discover how we can help you!

Mortgage options when buying together
If you buy a house together, you have a choice of two popular mortgage types. We will explain them simply and clearly:

Annuity mortgage
You pay a fixed total amount every month, consisting of both interest and principal repayment. Initially, the largest portion goes towards interest, but as you repay more, it shifts increasingly towards principal repayment. This provides a great deal of certainty, as your monthly payments remain predictable for the duration of the fixed-rate period.

Linear mortgage
With this type, you repay a fixed amount every month. Because your debt decreases as a result, you also pay less and less interest. The result: your monthly payments gradually decrease over time.

Are you unsure which mortgage suits you best? Our mortgage advisor will calmly explain everything and work with you to determine which type best aligns with your income, wishes, and future plans.

Buying a house together: a step-by-step plan

We make buying your house as easy as possible. This is the step-by-step plan:

We look at your incomes and wishes. Do you want a large house? Or would you prefer to live as cheaply as possible? Do you have personal funds, and is there equity from a previously purchased home? We will map everything out for you and then calculate the possibilities for the house you intend to purchase together. A free consultation is free and without obligation, and quickly provides clarity.
Do you know your budget and housing preferences? Time to start looking for your dream home! You can go out on your own, but a buyer's agent can help you find the best deals in Mijdrecht and the surrounding area. Visit multiple houses to discover what is truly important to you, such as the neighborhood, the size, or a house that is ready to move into.

Found what you're looking for? Then it's time to make an offer. Don't start immediately with your maximum price, so you leave room to negotiate. Exciting? Absolutely! Our Mortgage Advisor gives you tips on making a smart offer and guides you through every step.
Has your offer been accepted? Congratulations! Now we will finalize the mortgage. At Crefin & Partners, we compare offers from 40 banks to find the mortgage that suits you. We discuss everything: from the fixed-rate period to what happens in unexpected situations such as illness or death. You provide the necessary documents, we do the rest.
As soon as everything is finalized, you will receive the mortgage offer. This is the official offer from the bank. After signing the mortgage offer, the time has almost come: your house is getting closer and closer!
At the notary, you sign the deed of transfer and the mortgage deed together. As soon as that is done, the house is officially yours. Time to get the moving boxes ready!

Yes, you have the key to your shared home! Time to toast and enjoy your new home.

How much does it cost to buy a house together?
In addition to the purchase price of the house, there are other costs involved, such as mortgage advice, notary fees, valuation, and potentially transfer tax. At Crefin & Partners, you pay a fixed, transparent price for our advice, without any surprises afterwards. And it is good to know: these advisory costs are tax deductible. View our rates page for more information.

Buying a house together: frequently asked questions

You must be at least 18 years old to buy a house. Furthermore, it depends on your income, savings, and whether you are buying alone or together. Our Mortgage Advisor at Crefin & Partners calculates for free how much you can borrow.

Your incomes are combined. Our Mortgage Advisor calculates how much you can borrow next.

With us, the first consultation is always free and without obligation. For our complete advice and mediation, you pay a fixed price, which you can find on our rates page. Transparent and without surprises!

Yes, the costs for our mortgage advice are tax-deductible via income tax. That saves you money!

No permanent contract? There are still options. Crefin & Partners will review your situation and is happy to provide advice.

A positive BKR registration is usually not a problem. Do you have a negative registration (for example, due to payment arrears of more than 120 days)? Then it can be difficult to obtain a mortgage. Our Mortgage Advisor will explore the possibilities with you.