Buying your next home is an exciting adventure! At Crefin & Partners, as your mortgage advisor, we help ensure everything runs smoothly and clearly.
Whether you want to move to a larger home, be closer to family, or are simply looking for something different: we provide clarity regarding your mortgage and the entire journey to your new home. Schedule a free, no-obligation consultation with our mortgage advisor today!
When you buy a new home, calculating your new mortgage is one of the first important steps. We focus primarily on two things here:
Equity We can effectively include the equity in your current home in the calculation for your new mortgage. Equity is the difference between the value of your house and the outstanding mortgage debt. You can use this money, for example, to buy a more expensive house or to make extra repayments.
Transferring your mortgage Sometimes you can transfer your current mortgage (or part of it) to your new home. This is called the portability scheme or relocation scheme. You are essentially taking out a new mortgage, but you retain the favorable interest rates, monthly payments, and conditions of your old mortgage. This is particularly advantageous if your current interest rate is lower than the rates currently in effect on the market.
Before you start your search, we will look together at what you can borrow, taking into account your current mortgage and potential equity. Do you want a larger or smaller house in Mijdrecht or the surrounding area? Our free and no-obligation initial consultation will give you clarity.
Step 2: Finding your next house
With your budget and wishes mapped out, you go house hunting. Search yourself or hire a buyer's agent? The choice is yours! Visit multiple houses to see what suits you, such as size, location, or a garden.
Step 3: Bidding and negotiating
Have you found your dream home? Time to make an offer. Our Mortgage Advisor gives you tips on negotiating smartly and how far you can go financially, so that you close a good deal within your financial means.
Step 4: Arranging the mortgage
Offer accepted? Great! We compare offers from 40 banks to find the best mortgage. Do you want to transfer your current mortgage or take out a new one? We discuss everything, from fixed-rate periods to risks such as disability. You provide the documents, we take care of the rest.
Step 5: Signing the mortgage offer
After approval by the bank, you will receive the mortgage offer. After signing, it is almost time to move into your new home.
Step 6: To the notary
At the notary, you sign the deed of transfer and the mortgage deed. As soon as that is finalized, your new house is officially yours.
Step 7: Keys and champagne
You have the key! Time to furnish your new home and enjoy.
How much does it cost to buy your next house?
In addition to the purchase price, you pay costs such as mortgage advice, notary fees, valuation, and transfer tax. At Crefin & Partners, you pay a fixed, transparent price for our advice, without surprises. And good news: these advisory costs are tax-deductible via your income tax. View our rates page for all details.
Yes, you can often transfer your mortgage via the relocation scheme. Our Mortgage Advisor will assess whether this is advantageous or if a new mortgage would be a better fit.
What is equity and how do I use it?
Equity is the difference between the sale value of your current home and your outstanding mortgage debt. You can use this to buy a more expensive house. Crefin & Partners calculates it for you.
What do I do first: buy or sell?
That depends on your situation. Selling first provides certainty, but buying first can result in a new home faster. It is also possible to arrange a bridging loan, allowing you to buy first and then sell. You will have double expenses temporarily, but you will have more options. Our Mortgage Advisor outlines the pros and cons.
How much does your advice cost?
Our first consultation is free and without obligation. You pay a fixed price for our full advice, which can be found on our rates page . These costs are tax deductible.
Can I buy a house with a BKR registration?
A positive BKR registration is usually not a problem. In the case of a negative registration, we look for solutions. Crefin & Partners compares options from 40 banks.
