De Hypotheker

Mortgage broker in Zoetermeer

At De Hypotheker Zoetermeer, you can turn to Henk Otgaar and his team for expert mortgage advice and other financial matters such as home insurance. Our independent mortgage advisors will map out your current financial situation and list all your options. Together, we will arrive at the best mortgage for you. Personal contact and establishing a direct connection with our customers is very important to us. We anticipate your personal wishes and help you with the biggest purchase of your life: your home! You can find De Hypotheker Zoetermeer on the Zwaardslootseweg.

 

We hope to welcome you soon for a non-binding first meeting! Use the appointment form to directly make an appointment with one of our mortgage advisors.

arrow

We compare 40 mortgage providers

Jazeker
Your Hypotheker
Arranged with your Hypotheker
Henk Otgaar
Henk Otgaar Mortgage Advisor Zoetermeer
Contact information
remove add
Opening hours
remove add
Monday 9:00 AM - 5:30 PM
Tuesday 9:00 AM - 9:00 PM
Wednesday 9:00 AM - 9:00 PM
Thursday 9:00 AM - 9:00 PM
Friday 9:00 AM - 5:30 PM
Saturday 9:00 AM - 2:00 PM
Sunday Closed
Appointments after office hours
On weekday evenings, appointments are possible in consultation with the adviser.
Appointments after office hours
On weekday evenings, appointments are possible in consultation with the adviser.
On this page

What can De Hypotheker Zoetermeer's mortgage advisor do for you?

What kind of mortgage best suits your personal housing situation? Is it wise to transfer your mortgage? Can you repay penalty-free? You can ask these and all other questions about your mortgage to the mortgage advisor at De Hypotheker Zoetermeer.

 

The mortgage broker gives independent mortgage advice to find the most cost-effective mortgage for you. This makes our advice different from mortgage advice from your bank. This is because we not only look at your bank's offer but also that of all other Dutch banks and even more mortgage lenders.

This is what you can expect from our mortgage advice:

The first meeting is always free of charge;
Truly independent advice: our advisors compare more than 40 providers;
Make sure you have the best mortgage for your personal situation, now and in the future;
Your appointment can take place by phone, digitally or at our branch;
Complete settlement, from quotation to mortgage closing.

Meet our team

Our mortgage advisors know all the ins and outs of mortgages. Thanks to years of experience, they know better than anyone else what is going on in the market. Do you have questions or do you need advice? Make an appointment via the appointment form.

J8a2562 Social Media

Our reviews

9.9
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star - Half
Based on 430 reviews
Check out our the reviews at Advieskeuze.nl
Advieskeuze.nl collects customer reviews for financial service providers
Bos
25 July 2025
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star

We were moving from Germany to the Netherlands with income from 2 tax countries. Not the cross-section situation. Joyce was well aware of what steps had to be taken in our specific situation. She guided us very skillfully through this entire process, from how we could increase our chances of being bought to where we run which financial risks in the event of disability as a death of one of us 2, so that we could make the right choices with additional insurance and form of mortgage. It was clear that she had our interests in mind and was not selling us unnecessary insurance. And all this in English if necessary. In addition, it was very pleasant and quick to switch, it felt like we were her only customer and were always given priority. We couldn't have wished for a better advisor.

Review translated by Microsoft

We gingen van Duitsland naar Nederland verhuizen met inkomen vanuit 2 fiscale landen. Niet de doorsnede situatie. Joyce was goed op de hoogte van welke stappen er genomen moesten worden in onze specifieke situatie. Ze heeft ons erg kundig begeleid in dit hele proces, zowel hoe we onze kansen op de koop konden verhogen tot en met waar we welke financiële risico's lopen bij eventuele arbeidsongeschiktheid als overlijden van een van ons 2, zodat we de juiste keuzen konden maken met aanvullende verzekeringen en vorm van hypotheek. Hierin was duidelijk dat ze ons belang voor ogen had en niet ons onnodige verzekeringen aan het verkopen was. En dit allemaal ook nog eens in het engels als dat nodig was. Daarbij was het erg prettig en snel schakelen, het voelde alsof we haar enige klant waren en altijd prioriteit kregen. Een betere adviseur konden we ons niet wensen.

Lees meer Show original
Berto
18 July 2025
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star

I was very well and clearly helped with the application for a new mortgage.

Review translated by Microsoft

Ben erg goed en duidelijk geholpen bij de aanvraag van en nieuwe hypotheek.

Lees meer Show original
R
14 July 2025
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star

I was very well informed by Team Zoetermeer during my buying and selling process. Thanks to the professional and clear advice, I knew exactly where I stood when looking for a home. I received excellent support throughout the mortgage application. Thanks to them, I have a comfortable and sustainable plan for the future.

Review translated by Microsoft

Ik ben door Team Zoetermeer zeer goed geïnformeerd tijdens mijn aan- en verkooptraject. Door het professionele en duidelijke advies wist ik exact waar ik aan toe was tijdens het zoeken naar een woning. Tijdens de gehele hypotheekaanvraag ben ik uitstekend ondersteund. Dankzij hen heb ik een comfortabel en duurzaam toekomstplan.

Lees meer Show original
Troy
7 July 2025
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star

Very friendly and patient. Takes the time to explain everything in detail.

Review translated by Microsoft

Erg vriendelijk en geduldig. Neemt de tijd om alles in detail uit te leggen.

Lees meer Show original
Remco
4 July 2025
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star
  • 04 - Icons / Star

Clear explanations, quick interventions and always makes time in between to arrange things.

Review translated by Microsoft

Duidelijke uitleg, snelle interventies en maakt altijd tijd tussendoor om dingen te regelen.

Lees meer Show original
Arrow

Buying a house in the Netherlands

You are looking for a house in the Netherlands. But where do you start when you want to buy a house? De Hypotheker explains what is involved in buying a house in the Netherlands and gives you a step-by-step plan. With the tips on this checklist, you will know exactly what to expect when buying a home.

buying a house in the netherlands
expat mortgage de hypotheker

Are you an expat?

Are you currently (or planning to be) employed in the Netherlands and are you considering buying a house in the Netherlands? De Hypotheker can inform you about all the possibilities and guide you through the process of getting a mortgage. We can, amongst other important details, talk to you about:

 

  • The rules for buying a house in the Netherlands as an expat;
  • Current mortgage rates;
  • How much you can borrow according to your financial means.

 

Read more about expat mortgages at De Hypotheker.

 

Rent or buy

 

Based on the information you provide, our financial advisor will advice you on all the ins and outs on renting or buying. He/she will also show you the difference between the costs of a rental home and an owned home. All ad- and disadvantages of renting and buying will also be dealt with.

 

Make a checklist

 

We advise you to make a list of your living wishes, income and expenses, so we can help you make the best decision for your personal situation. If you wish to book an appointment, click on the link below, fill in the form and we will get back to you as soon as possible. The first appointment is on us!

 

Book appointment

What are our prices?

It is important to us that you know what you are paying us for our services. The first appointment at the branch is non-binding and free of charge. If you then decide to arrange your mortgage through De Hypotheker, the guide prices below apply. The prices are based on one applicant.
Buying your first house
€ 2,795
Buying your next house
€ 3,395
Buying a house as an entrepreneur
€ 3,295
Divorce
€ 3,795
Sustainability
€ 2,995
Renovation
€ 2,995
Utilize surplus value
€ 2,995
Refinance mortgage
€ 3,295

Make an appointment at De Hypotheker Zoetermeer

The appointment can be by phone, via an online consultation or at the branch.

reviews

9.7

based on 34,711 reviews

check

The first meeting is always free of charge

check

Truly independent advice: we compare more than 40 providers

check

Insight into your financial options and monthly costs

We will contact you on this number.
If we are unable to reach you by telephone we will send you an email.
Make an appointment