Buying a house
The first step towards buying a house
Buying a house usually starts with one important question: what is the maximum mortgage I can get?
Before you make an offer on a house, it is wise to gain insight into your financial capabilities. During our introductory meeting, we will look at your income, savings, monthly expenses, future plans, and wishes. This allows us to form a realistic picture of your maximum mortgage and ensures you know what to look for.
Good
to know
Buying a house involves more than just taking out a mortgage. Here you will find information you can use during the purchasing process.
Your maximum mortgage is calculated based on your income, any loans or other financial obligations, and current interest rates. Also read our article about this subject.
The turnaround time for the mortgage advisory process depends on your personal situation and the speed at which the necessary information is provided. The average turnaround time is between three and six weeks.
When taking out a mortgage, you can in some cases opt for National Mortgage Guarantee (NHG). You pay a one-time fee, whereby the Foundation for the Guarantee Fund for Home Ownership (Stichting Waarborgfonds Eigen Woning) acts as guarantor for your loan. This provides you with extra security (guarantee) and a lower interest rate. As of January 1, 2026, the maximum amount you can borrow with NHG is €470,000. This means that the value of the home, including any renovation costs, may not exceed €470,000. Ask about the conditions and additional options.
When choosing a mortgage, it is not just about interest and monthly payments. The type of mortgage determines how you repay, how much security you have, and what your financial future looks like. In the Netherlands, there are three popular mortgage types that almost everyone considers: annuity mortgage, linear mortgage, and (partially) interest-only mortgage. In this article, you will find more information about the different mortgage types.
An energy label shows how energy-efficient a home is. This is not only important for the environment and the comfort you can expect, but also for your maximum mortgage. In most cases, an energy label is mandatory.
When purchasing a home, there is often an obligation to deposit 10% of the purchase price with the notary prior to the transfer. If the buyer is unable to pay this 10% from their own funds, this can be resolved with a bank guarantee. A bank guarantee is a guarantee from the bank that the deposit the buyer must pay to the seller will be paid, if necessary. We can arrange this bank guarantee.
Buying a house with Jord
At Advies van Jord, we like to keep mortgage advice personal and clear. Thanks to years of experience in the financial sector, we know how the system works. We now use this knowledge to provide you with sound, independent, and, above all, honest advice.
Our mortgage advisors guide you step by step through the entire purchasing process. From the initial consultation to signing at the notary. And from helping to gather the necessary documents to submitting the mortgage application.
Rates
We work with fixed rates for our mortgage advice. This way, you will never be faced with any surprises.
Starters
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Advice for your first home purchase
Mover
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Advice for your next home purchase
Entrepreneur
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Advice for your first or next home purchase (please note: starting price excl. surcharge of €250 for documentation)
Key terms / Mortgage types
Interest-only mortgage
Linear Mortgage
Annuity Mortgage
Buyer’s costs (k.k)
Mortgage Application
Still no idea what it all entails?
We have already made over 2,000 customers happy.
This is how
we work
Introduction & free mortgage consultation
The financial check
Looking for a suitable house
The mortgage application
The mortgage is finalized, off to the notary
How can we help you?
Schedule a free mortgage consultation or ask your question. We will contact you as soon as possible!
Our knowledge of buying a house
In our articles, we share practical explanations, current developments, and answers to frequently asked questions about mortgages.
How much can I borrow in 2026?
It is one of the most frequently asked questions. In this blog, you can read more about determining the maximum mortgage