Take out a mortgage

You often take out a mortgage for a long period. But your life changes. Perhaps you want to renovate, lower your monthly payments, or benefit from a lower interest rate. We will look at the possibilities with you!

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.

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Rates

We work with fixed rates for our mortgage advice. This way, you will never face any surprises.

Mover

€ 3.450
  • Advice for your next home purchase

OHA

€ 3.950
  • Advice on release from joint and several liability (divorce)

Entrepreneur

From

€ 250
  • Advice tailored to your situation at standard rates plus a surcharge. Please note: the surcharge is a starting price based on the complexity of the business

Key terms / Mortgage types

When you want to adjust your mortgage, you come across many new terms. That can sound quite complicated sometimes, so we explain the most common terms below!

Interest

Interest is the amount you pay to the lender for borrowing money for your mortgage....

Prepayment Penalty

A prepayment penalty is a fee you pay to the lender if you repay or...

Release from Joint Liability (OHA)

If you separate and one person stays in the home, the other must be released...

Residual Debt

If your home is worth less than your mortgage when you sell it, a residual...

Construction deposit / Renovation fund

Een bouwdepot is een potje binnen je hypotheek waarmee je verbouwingen betaalt. You submit invoices...

Still no idea what it all entails?

Don't worry. Mortgage advice doesn't have to be complicated. Schedule an introductory meeting and discover what is possible for your situation.

We have already made over 2,000 customers happy.

5/5
Google
★★★★★

Very helpful mortgage advisor, Samuel!

Always replied quickly to our emails,was very clear in his explanations and helped us alot throughout the whole experience!

Sajni Singh
October 2026
★★★★★

Wij zijn ontzettend tevreden over Matthijs als hypotheekadviseur.

Hij is een deskundige, eerlijke en betrouwbare adviseur die echt de tijd voor je neemt en alles duidelijk uitlegt. Je merkt dat hij veel kennis en ervaring heeft en altijd met je meedenkt om tot de beste oplossing te komen.

Ben je op zoek naar iemand voor het afsluiten van je hypotheek? Dan hoef je echt niet verder te zoeken. Wij kunnen Matthijs van harte aanbevelen!

Als ik meer sterren had kunnen geven, had ik het gedaan!⭐️⭐️⭐️⭐️⭐️

Sudenur Erturk
September 2026
★★★★★

We are so lucky to have found you!

We are pleased and very grateful for the tremendous support to our search and mortgage journey. From the beginning, Matthijs (our assigned mortgage advisor) was there for us to support and provide all the necessary information step by step. With his energy and professionalism, we were able to gain a lot of confidence for the process and to feel supported through this! Such a nice experience that we enjoyed a lot. In such a stressful moment, Matthijs was there to respond immediately and to be willing to answer every question that we might had, providing honest advice for our options. We definitely recommend to work with them. Thank you so much once more for helping us to buy our first house in the Netherlands.

Eirini Sarli
August 2026
★★★★★

Wij zijn super goed geholpen met de aankoop van ons eerste huis.

Matthijs is een goede hypotheekadviseur. Hij legde alles goed en duidelijk uit, hierdoor was het erg makkelijk om een hypotheek te regelen. Het contact was super fijn. Echt top! Wij zouden het zeker aanraden aan andere mensen.

Romy zandbergen
July 2026
★★★★★

I had a wonderful experience receiving advice from Matthijs regarding securing a mortgage.

It was my first house so I was quite overwhelmed with things I did not know, but Matthijs went above and beyond to put me at ease and guide me through the entire process. He made sure I understood everything and always gave me all options with extensive explanations, and all this at a very reasonable price point.

LD
June 2026
★★★★★

If you are looking for a great mortgage advisor Samuel is your guy!

I am extremely happy with Samuel as my mortgage advisor - his replies are very fast and accurate, contracts and offers are thoroughly reviewed (he goes point by point with you), he answers every question that you can imagine and is truly and expert in the field. His advice and help goes beyond just application: he is persistent that in case you need any help during tax season you should mail him.

Joanna Chodorska
May 2026
★★★★★

Wij zijn enorm goed geholpen door Samuel.

Hij heeft enorme expertise, ook wanneer je vragen niet standaard zijn. Hij is meedenkend, geduldig en oplossingsgericht en is er ruimte voor een grapje. Hij legt complexe onderwerper heel erg duidelijk uit en is altijd bereikbaar, hij reageert binnen mum van tijd. Wij raden Samuel aan iedereen aan, echt een topper!

Max Brinkman
April 2026
★★★★★

We would highly recommend Matthijs!

My wife and I had an excellent experience with our mortgage adviser Matthijs from Advies van Jord for purchasing our first house in the Netherlands. The communication with him was always smooth, friendly, and prompt, which made the whole process feel easy and stress-free. Matthijs clearly explained the different mortgage plans, carefully outlining the benefits of each option so we could make the best decision. His support was incredibly fast and efficient, and he helped us secure my mortgage approval much quicker than I expected. My wife and I truly appreciated his dedication and attention to detail from start to finish.

SHU LI
March 2026
★★★★★

Enorm fijn geholpen door Matthijs bij de aankoop van ons huis.

Mijn vriendin en ik zijn allebei ondernemer, waardoor er tijdens het proces veel documenten moesten worden aangeleverd. Daarbij zijn we uitstekend begeleid en werd alles duidelijk uitgelegd. De communicatie verliep prettig en snel, waardoor het hele traject verrassend soepel is verlopen. Absoluut een aanrader!

Thijs Drost
February 2026
★★★★★

Wij zijn fantastisch geholpen door Samuel.

Bij de aankoop van ons huis hadden we te maken met een wat ingewikkelde constructie, maar niets was te gek en voor alles wist hij een passende oplossing te vinden. Het contact verliep snel en soepel. We zijn erg dankbaar voor al zijn hulp!

Pepijn Becking
January 2026
★★★★★

I was supported by the firm for the mortgage of our new house.

It turned out to be perfect choice as I was rightly guided and advised at every step of the mortgage application.

I was assisted by Samuel. He is very professional and knowledgeable. He explained the entire process very clearly and it all went real smooth. To my surprise, the loan was processed within a week. I am very satisfied with the level of assistance that i got for my loan application.

Sachin Kunder
December 2025
★★★★★

Super goed geholpen door Samuel van Advies van Jord!

We zijn uitstekend begeleid bij het maken van onze keuzes, en Samuel was altijd goed bereikbaar voor vragen. Daarnaast was de hypotheek aanzienlijk sneller rond dan verwacht.

Lard Van Zuylen
November 2025

This is how we work

Our advisors guide you step by step throughout the entire process!
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1

Introduction & free mortgage consultation

Do you want to refinance, reduce, or increase your mortgage? During a introductory meeting (online or in person), we will discuss your plans, wishes, and financial situation.
2

Your current mortgage & the finances

We review the structure of your current mortgage. Consider the interest rate, term, conditions, and any penalty interest. Based on this, we calculate and investigate the available options.
3

The mortgage application

Have you made a choice? Then we will start adjusting your mortgage. We help you gather the necessary documents and ensure that the application is submitted completely to the lender.
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4

Mortgage approved and to the notary

Has the mortgage been approved? We ensure that everything is 100% correct and handle the final matters with the notary. After that, your mortgage is adjusted, and the new arrangements align with your situation.

How can we help you?

Schedule a free mortgage consultation or ask your question. We will contact you as soon as possible!

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Our knowledge

In our articles, we share practical explanations, current developments, and answers to frequently asked questions about mortgages.

Mortgage interest rate outlook 2026 (trends, forecasts and opportunities)

Mortgage interest rate outlook 2026 (trends, forecasts and opportunities)

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