Knowledge base
Clear answers to the questions we hear most often, with calculators to work out your own situation.
6 articles
Refinancing your mortgage: when does it pay off?Have rates dropped since you took out your mortgage? Then refinancing can save money, but you often pay an early repayment penalty. Work out when you earn it back.Refinancing2 min readWhat is NHG and when is it worth it?The National Mortgage Guarantee (NHG) protects you from a residual debt if you unexpectedly have to sell your home. It often also gets you a lower interest rate. Check below whether you qualify.Buying a home2 min readHow much mortgage can I get?How much you can borrow depends mainly on your income, the interest rate and the value of the home. Get an indication and read what else lenders take into account.Borrowing and repaying2 min readWhat does buying a home cost? Buyer’s costs explainedOn top of the price you pay buyer’s costs: transfer tax, notary, valuation and advice. You cannot include them in the mortgage, so you need your own savings. Calculate how much below.Buying a home2 min readAnnuity or linear repayment: what is the difference?With an annuity you pay the same gross amount every month; with linear you repay the same amount each month and your payments go down. Linear costs less interest but starts higher. Compare them below.Borrowing and repaying2 min readHow does mortgage interest relief work?In the Netherlands you can deduct the interest on the mortgage for your own home from your income, so part of it comes back from the tax authorities. Work out below what you get back.Tax and relief3 min readWant to be sure your finances are in order, today and tomorrow?
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