Take out a mortgage
When is adjusting your mortgage beneficial?
There are various times when it may be wise to review your mortgage. For example, when mortgage interest rates are lower than when you took out your mortgage, your monthly payments are set to decrease, your financial situation is volatile, or your fixed-rate period is about to expire.
You can increase, decrease, or switch your mortgage to another lender.
Good to know
You can increase, decrease, or switch your mortgage to another lender. Here we explain what each situation means.
You switch your current mortgage to a new one, often with a different lender. This can be beneficial if you can secure a lower interest rate or want different terms. Do take into account additional advisory fees, notary fees, and penalty interest.
Sometimes you want to borrow extra money on top of your current mortgage. For example, for a renovation, making your home more sustainable, or buying out a partner. In doing so, the lender looks at your income, the value of your home, and your existing mortgage.
Perhaps you want to make extra repayments or lower your monthly payments. In that case, you can lower your mortgage. However, always check the conditions or costs you need to take into account.
If you refinance your mortgage while your fixed-rate period is still running, the bank may charge a penalty interest. This fee compensates for the interest the lender misses out on because you are leaving early.
Advice on adjusting your mortgage
Are you unsure whether it is wise to adjust your mortgage? We will review your current mortgage together and explore the options. This way, you know exactly where you stand and can make a choice that suits your situation and (future) plans.
Rates
We work with fixed rates for our mortgage advice. This way, you will never face any surprises.
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Key terms / Mortgage types
Interest
Prepayment Penalty
Release from Joint Liability (OHA)
Residual Debt
Construction deposit / Renovation fund
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