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?
What our customers say about us
-
based on
advieskeuze.nl- Date
- 19 Jun 2026
- Name
- Danja
Show originalI have been helped well and expertly by Dennis in recent weeks. He was very accessible, even in the evenings and took all the time to answer my questions. He has helped me financially in various areas advice, but left the choice with me. The nice customer portal allowed me to download documents needed for the mortgage application at my own time. I am very grateful to Dennis; Partly because of his advice, I was able to buy the house of my dreams.
Review translated by MicrosoftIk ben de afgelopen weken goed en deskundig geholpen door Dennis. Hij was zeer goed bereikbaar, ook in de avonduren en nam alle tijd om mijn vragen te beantwoorden. Hij heeft mij op diverse vlakken financieel advies gegeven, maar legde de keus bij mij. Door het fijne klantportaal kon ik op mijn eigen tijd documenten downloaden die nodig waren voor de hypotheek aanvraag. Ik ben Dennis enorm dankbaar; mede door zijn advies heb ik het huis van mijn dromen kunnen kopen.
- Date
- 19 Jun 2026
- Name
- Danja
-
based on
advieskeuze.nl- Date
- 19 Jun 2026
- Name
- Danja
Show originalI have been helped well and expertly by Dennis in recent weeks. He was very accessible, even in the evenings and took all the time to answer my questions. He has helped me financially in various areas advice, but left the choice with me. The nice customer portal allowed me to download documents needed for the mortgage application at my own time. I am very grateful to Dennis; Partly because of his advice, I was able to buy the house of my dreams.
Review translated by MicrosoftIk ben de afgelopen weken goed en deskundig geholpen door Dennis. Hij was zeer goed bereikbaar, ook in de avonduren en nam alle tijd om mijn vragen te beantwoorden. Hij heeft mij op diverse vlakken financieel advies gegeven, maar legde de keus bij mij. Door het fijne klantportaal kon ik op mijn eigen tijd documenten downloaden die nodig waren voor de hypotheek aanvraag. Ik ben Dennis enorm dankbaar; mede door zijn advies heb ik het huis van mijn dromen kunnen kopen.
- Date
- 19 Jun 2026
- Name
- Danja
-
based on
advieskeuze.nl- Date
- 19 Jun 2026
- Name
- Marc
Show originalHelpful and clear. This also applies to the employees show a lot of interest both in the person and in what you are there for.
Review translated by MicrosoftBehulpzaam en duidelijk. Dit geldt ook voor de medewerkers tonen veel interesse zowel in de persoon als voor het geen waar je voor daar bent.
- Date
- 19 Jun 2026
- Name
- Marc
Rating for
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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.
