Cost of mortgage advice at De Hypotheker

In over 40 years, we have helped more than 1 million customers get their home. We think it is important that you know what you pay us for our services. That is why we are very transparent and clear about the costs at De Hypotheker. The first appointment at the branch is free and at our expense. If you then decide to arrange your mortgage through De Hypotheker, the following guideline prices and rates apply for our packages. 

Make an appointment View the costs
cost mortgage advice de hypotheker

Check the guide prices for our branch near you

We believe transparency is important. That’s why we use guideline prices on our website to give you an indication of the costs:

 

  • The stated prices are indicative and may vary per branch
  • Costs depend on your personal situation
  • The guideline prices are based on a single applicant
  • The final costs are always discussed and confirmed with you in advance
  • Our services are subject to our general terms and conditions
  • Also check our comparison chart for more information

With more than 40 years of experience and over 1.5 million customers helped, we ensure that you can make well-informed decisions with confidence.

Buying your first house
€ 2,995
Buying your next house
€ 3,595
Change mortgage
€ 3,195
Refinance mortgage
€ 3,495

The 6 steps of our consultation process

We believe it is important that our services are clear, transparent and independent. This is why we work with 6 clear steps in our advisory process. From an introduction to after-care. Take a look at the steps we go through together to help you now and later.

1

Intake

During the intake interview, you will gain insight into the steps needed to realise your plans and how we can advise, help and relieve you of worries during the process. We will then inform you about the costs of our services, which follow-up steps we will take and what is needed to arrive at a suitable advice. We will also discuss your wishes and objectives so that we know what you find important.

2

Taking stock

During this step, we map out your personal financial situation. As part of this, we discuss, among other things, your wishes and goals.
In addition, we examine where your priorities lie if certain choices have to be made around the mortgage loan and the associated monthly costs. We also map out what your current housing costs are, what you have arranged now and look at the options for realising your wishes. This will give you an insight into your current financial situation, the feasibility of your wishes and the various options. To give you these insights during your inventory interview, our advisor needs data from you. You can supply these via our online environment 'Mijn Hypotheker'. De Hypotheker works with source data that you, the client, can easily supply via the Ockto app.


This app navigates you through various government sources via DigiD and retrieves the information your advisor needs for your mortgage application. This method ensures that you always submit the correct data to your advisor. If data is needed that cannot be retrieved from the sources
such as a salary slip or divorce agreement, you can use our upload facility in the same online environment.

3

Analysing

After we have formed a good picture of your wishes and situation, now and in the future, we will analyse this data. Based on this data, we will make a first selection of possible forms of mortgage loans and related products that fit your situation. At this stage, the adviser explains the various possibilities and indicates what, in our opinion, are suitable options for you.

4

Advice

Based on the data collected in the previous steps, the advisor will give you concrete advice on what is needed to realise your plans. The advisor records this advice in an advisory report so you can read it at your leisure. The advisory report provides insight into the affordability of the monthly costs now and in the future, the financial risks you are running and cannot take care of yourself and the solutions we recommend for this. We can also guide you in finding related services needed to realise your financing needs and insurance solutions.

5

Brokerage

We request an interest rate offer from the lender and/or a quote from the insurer that suits your needs and objectives. If no suitable product or solution can be offered, we investigate what alternatives are available.


If you agree to the binding mortgage offer and have signed, we will monitor the progress of your dossier and do our utmost to relieve you of any worries, for example with the notary, the lender and/or insurance company. At the end of the advice and mediation process, we check the draft notarial deed and settlement and the newly concluded life and non-life insurance policies.

6

Aftercare

We will inform you of important relevant changes. You will receive an annual questionnaire from us allowing you to communicate your most important financial and personal changes. You can contact us with questions about your current mortgage or related products. Depending on the (advisory) activities, this may involve costs.

Checklist

What else does the Hypotheker do for you?

De Hypotheker can help you with everything around your mortgage. See below what we offer from advice to guidance.
Guidance bank guarantee
Bank guarantee is a contract in which the bank unconditionally guarantees that the seller will be paid the deposit.
Notary guidance
Notary fees can vary widely. We will help you find a good notary at a competitive price.
Guidance on valuation
We make sure you do not have to worry about the valuation of your property.
Guidance on architectural inspection
A structural inspection gives you more certainty about the building condition of the property.
Mediating term death insurance
Term life insurance pays out a sum of money in the event of death that your dependants can use to pay off (part of) the mortgage.
Mediating home expense insurance
Insurance against income loss in case of disability and unemployment (per policy).
Advice on residual debt financing
When the income from the property is less than the mortgage debt.
Advice on tax continuation
For Home Equity Insurance (KEW) & Home Savings Account (SEW)
Advice on bridge loan
When the surplus value of the sold property has not yet been released when the new mortgage is taken out.
Guidance on non-life insurance
We look for the home and property insurance with the best cover for the best price.

What our customers say about us

  • 10

    based on

    klantenvertellen.nl
    Date
    16 Jun 2026
    Name
    Truus

    Marco always gave clear, transparent information and explanations. All possibilities were discussed extensively. Very friendly, patient approach. You can always call if you still have a question. Accessibility is excellent. You are not on hold but get very quickly someone on the phone who can answer your question or You will be called back neatly and quickly. The staff behind the counter are also friendly and helpful. In short, a 10 with a pencil!!

    Review translated by Microsoft

    Marco gaf steeds weer duidelijke, transparante informatie en uitleg. Alle mogelijkheden werden uitgebreid besproken. Hele vriendelijke, geduldige benadering. Je kunt altijd bellen als je toch nog een vraag hebt. Bereikbaarheid is uitstekend. Je staat niet in de wacht maar krijgt heel snel iemand aan de telefoon die je vraag kan beantwoorden of je wordt keurig en snel terug gebeld. De medewerkers achter de balie zijn ook vriendelijk en behulpzaam. Kortom een 10 met een griffel!!

    Show original
    Date
    16 Jun 2026
    Name
    Truus

    Rating for

    De Hypotheker Almelo
  • 10

    based on

    advieskeuze.nl
    Date
    15 Jun 2026
    Name
    RW

    Thanks to Edwin's advice, I was able to make a good offer with confidence. When buying the house, I went smoothly through the mortgage advice. Advice was clear and we were able to switch quickly.

    Review translated by Microsoft

    Dankzij advies van Edwin met vertrouwen een goed bod kunnen doen. Bij aankoop van de woning soepel door het hypotheek advies gegaan. Advies was duidelijk en we konden snel schakelen.

    Show original
    Date
    15 Jun 2026
    Name
    RW

    Rating for

    De Hypotheker Rotterdam Hillegersberg
  • 10

    based on

    advieskeuze.nl
    Date
    15 Jun 2026
    Name
    Nando

    Christian helped us a lot in this process. He shows everything well and explains things clearly. Contact with each other was also quick and easy.

    Review translated by Microsoft

    Christian heeft ons er goed geholpen in dit proces. Hij laat alles goed zien en legt dingen duidelijk uit. Ook is het contact met elkaar snel en makkelijk verlopen.

    Show original
    Date
    15 Jun 2026
    Name
    Nando

    Rating for

    De Hypotheker Goes

Frequently asked questions

Buying or selling a home or adjusting your mortgage involves questions. Perhaps also about our services. Here you will find answers to the questions our customers ask most often. Is your question not among them? Feel free to contact your mortgage advisor.

Make an appointment

How can I be sure that advice from De Hypotheker is truly independent?

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With independent advice, you get advice from a mortgage advisor where your interests are guaranteed to come first. The four largest independent mortgage advice chains have therefore developed the Advice Guide. That guide consists of three conditions independent mortgage advice must meet: unbound, comparative and personal advice. De Hypotheker meets those three pillars.

How is De Hypotheker's service rated on average?

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On advieskeuze.nl, all the reviews customers have given us are collected for you. Based on over 35,000 reviews, our customers rate us with an average of 9.7.

Can I also get mortgage advice online?

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Getting online mortgage advice is also possible at De Hypotheker. Advice sessions can take place via online video calls. If you need this, please indicate this to your advisor.

Make an appointment

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

reviews

9.8

based on 37,196 reviews

  • The first meeting is always free of charge

  • Truly independent advice: we compare more than 40 providers

  • Insight into your financial options and monthly costs

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