The Mortgage Process
mortgages
Independent advice pays off!
At Buro Beerens you can contact our independent and recognized advisors with all your financial questions, who specialize in both mortgages and insurances. Together we will look at the current situation and the desired situation and determine which bank or insurer suits you best.
Do you want to buy your first home? To sell? Perhaps you want to refinance or your personal situation is changing. We are here to provide you with appropriate advice for your situation, whatever it may be.
Do you need financial advice? Feel free to drop by or make an appointment. Would you rather meet online? Then make a video chat or call appointment. The first consultation is always free and without obligation.
8 steps in a mortgage process
During the first conversation we zoom in on the current situation and the desired situation. We will discuss and answer the customer question here. In an initial consultation we make a calculation for the maximum mortgage and the associated monthly costs. We also discuss the mortgage process and, if desired, advise you on a purchasing agent.
1. Free and non-binding consultation
After accepting the offer, we start the mortgage process. We will check the purchase agreement, look at the banks, interest rates and other conditions. Together we choose the right bank that suits you and start with the mortgage application. In addition to the mortgage application, we also request the appraisal from the appraiser.
3. Start mortgage process
After the mortgage application, we receive an interest rate offer from the bank. In this interest offer we agree to fix the interest rate. If necessary, we choose a bank with daily interest. We will also receive the list of documents from the bank and will request all documents from you that are required for the assessment of the mortgage.
4. Interest offer
After all documents have been checked and approved by the bank, we receive the mortgage offer. We make an appointment for this at the office and go through all the conditions and agreements again. The mortgage quotation is signed during this appointment and returned to the bank. We will immediately check whether a bank guarantee needs to be provided and will ensure that it is provided.
5. Binding mortgage offer
During the mortgage quote, we also discuss insurances related to the mortgage and the purchase of the home. We will look together at the term life insurance, the disability insurance and we will also ensure that you receive a quote for the damage insurance of the house. We also ensure that the interest deduction is properly processed in the provisional refund from the tax authorities.
6. Insurance and taxes
After the entire process has been completed, we ensure that the mortgage quotation is sent to the notary. As soon as the deed of delivery, the mortgage deed and the bill of settlement have been drawn up by the notary, they will be sent to us for inspection. All that remains at that time is the transfer of the home to the notary. After this appointment you can officially call yourself a homeowner!
7. Notary
Banks, insurers and administrators we work with:
Why take out your mortgage with us?
INDEPENDENT
CUSTOMIZED RISK ANALYSIS
PERSONAL
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