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.
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
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
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
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
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
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
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.
What else does the Hypotheker do for you?
Guidance bank guarantee
Notary guidance
Guidance on valuation
Guidance on architectural inspection
Mediating term death insurance
Mediating home expense insurance
Advice on residual debt financing
Advice on tax continuation
Advice on bridge loan
Guidance on non-life insurance
What our customers say about us
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based on
advieskeuze.nl- Date
- 13 Aug 2026
- Name
- DvdW
Show originalThe consultation with Alexander was very pleasant, he is clear, direct and fast! And he really does his best for your new mortgage. It was really exciting whether it would come around in the period of the summer holidays. Thanks to his action-oriented attitude, everything is arranged super quickly and exactly what I want. When Alexander went on holiday herself, Nicole took over everything well, many thanks to both of you!
Review translated by MicrosoftHet adviesgesprek met Alexander was heel prettig, hij is duidelijk, direct en snel! En hij doet echt zijn best voor jou nieuwe hypotheek. Het was echt spannend of het rond zou komen in de periode van de zomervakantie. Dankzij zijn actiegerichte houding is alles supersnel geregeld en precies wat ik wil. Toen Alexander zelf op vakantie ging heeft Nicole alles goed overgenomen, heel veel dank voor jullie beiden!
- Date
- 13 Aug 2026
- Name
- DvdW
-
based on
advieskeuze.nl- Date
- 13 Aug 2026
- Name
- W.D.
Show originalRenee is a patient mortgage advisor who really takes the time for you and clearly explains what needs to be done. In addition, he answered all my questions extensively and neatly. He combines his professional way of working with a friendly and down-to-earth approach. This ensures that you feel well helped and at ease. I can therefore wholeheartedly recommend De Hypotheker and Renee!
Review translated by MicrosoftRenee is een geduldige hypotheekadviseur die echt de tijd voor je neemt en duidelijk uitlegt wat er moet gebeuren. Daarnaast heeft hij al mijn vragen uitgebreid en netjes beantwoord. Zijn professionele manier van werken combineert hij met een vriendelijke en nuchtere aanpak. Dat zorgt ervoor dat je je goed geholpen en op je gemak voelt. Ik kan De Hypotheker en Renee dan ook van harte aanbevelen!
- Date
- 13 Aug 2026
- Name
- W.D.
Rating for
arrow_forwardDe Hypotheker Den Bosch -
based on
advieskeuze.nl- Date
- 13 Aug 2026
- Name
- R
Show originalArno is a very nice advisor. He arranges everything and takes your worries away from you.
Review translated by MicrosoftArno is een hele fijne adviseur. Hij regelt alles en neemt je zorgen van je weg.
- Date
- 13 Aug 2026
- Name
- R
Rating for
arrow_forwardDe Hypotheker Sneek
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.
How can I be sure that advice from De Hypotheker is truly independent?
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?
Can I also get mortgage advice online?
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.
