Cost of mortgage advice at De Hypotheker
In over 35 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
The prices mentioned are guide prices and may vary from one branch to another. The costs depend on your personal situation and are always discussed and fixed in advance with your mortgage advisor. Prices are based on one applicant. Our general terms and conditions apply to the packages. See also our Comparison Chart.
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.
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.
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.
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.
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.
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.
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?
What our customers say about us
Review based on
advieskeuze.nlDate
12 Jan 2025Name
CB
- seeks connection with the customer
- understanding
- says what he does and does what he says (= real in promises)
-expert
-Integer
- can easily explain difficult material (= clear)
- looks for the best solution and names alternatives
- easily approachable
- communicates quickly
Review translated by Microsoft
- zoekt aansluiting bij de klant - begripvol - zegt wat hij doet en doet wat hij zegt (=reëel in beloftes) - deskundig - integer - kan moeilijke materie makkelijk uitleggen (=duidelijk) - zoekt naar beste oplossing en benoemt alternatieven - makkelijk benaderbaar - communiceert snel
Review based on
advieskeuze.nlDate
12 Jan 2025Name
anoniem
In the meantime we returned to Berend for the purchase of our second home. Berend is clear in his communication and able to clearly explain a complex financial product. He is knowledgeable, well informed, customer-friendly and you have the feeling that you are being treated personally. We would recommend him to others.
Review translated by Microsoft
Inmiddels voor de aankoop van ons tweede huis bij Berend teruggekeerd. Berend is helder in zijn communicatie en in staat om een complex financieel product duidelijk uit te leggen. Hij is kundig, goed op de hoogte, klantvriendelijk en je hebt het gevoel persoonlijk behandeld te worden. Wij zouden hem zo aanraden aan anderen.
Review based on
advieskeuze.nlDate
12 Jan 2025Name
L.
We had to complete the purchase within 7 weeks and had chosen 'subject to financing' without the choice. This caused us some tension with the question of whether the bank wanted to grant us the mortgage. We were well reassured and could always call or visit within 2 working days for a physical appointment.
Review translated by Microsoft
Wij moesten de koop binnen 7 weken rond maken en hadden zonder de keuze 'onder voorbehoud van financiering' gekozen. Dit bracht ons wat spanning op met de vraag of de bank ons de hypotheek wou verlenen. Wij zijn goed gerustgesteld en konden altijd binnen 2 werkdagen bellen of langs voor een fysieke afspraak.
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.
