Meet the Expert: Jan van Kooy from De Financiële Alliantie – Your Trusted Mortgage Advisor

''I aim to take The Financial Alliance to the next level with the team. We have provided sound advice for several years, but I want to develop this further. We at The Financial Alliance do more than just mortgages, which should be mentioned. In doing so, I want to assist everyone in realising their dreams!''

Jan van Kooy

Why Consult an Expert?

Home purchasing is one of the most significant financial decisions, and the mortgage process can be daunting, especially for international buyers. Jan van Kooy believes in simplifying this journey by offering clear, personalised advice tailored to your unique financial situation. His expertise spans various mortgage types, eligibility criteria, and long-term financial planning, making him a go-to advisor in the Dutch housing market.

The Dutch Mortgage Process in 6 Steps

Understanding the mortgage process can help you make informed decisions. Here’s a step-by-step breakdown:

1. Determine Your Budget Before browsing properties on platforms like Funda, consult a mortgage advisor to assess your borrowing capacity. This free initial consultation helps determine if your dream home is financially feasible.

2. Find Your Dream Home Once you have a clear budget, start house hunting. Working with a real estate agent can help you assess a property’s condition, location, and market value.

3. Making an Offer After finding the right home, you (or your real estate agent) submit an offer. If accepted, you will receive a koopovereenkomst (purchase agreement), which you should review before signing.

4. Mortgage Application & Document Collection: Your mortgage advisor will compare different financing options and help you gather the necessary documents to secure the best mortgage deal.

5. Finalizing the Mortgage & Notary Appointment Once the mortgage offer is finalised, you’ll sign it and schedule a notary appointment to complete the legal transfer of funds and property ownership.

6. Move In & Enjoy! After completing all formalities, you can move into your new home and start the next chapter of your life.

Who Can Get a Mortgage in the Netherlands?

Whether you're a Dutch national, an EU citizen, or a non-EU expat, different requirements apply:

• Dutch Nationals: Proof of income (employment contract) is required.

• EU Citizens: Must have lived in the Netherlands for at least five years, be financially independent, and may need to provide a deposit.

• Non-EU Citizens: Like EU citizens, they often face stricter conditions.

Expats working as PhD students or researchers may also need an employer’s statement confirming job continuity to qualify for a mortgage.

Types of Mortgages in the Netherlands

Choosing the right mortgage is crucial for long-term financial stability. At De Financiële Alliantie, we help you understand the key mortgage types available:

• Annuity Mortgage: Lower initial payments, with more going toward interest initially but shifting to principal over time.

• Linear Mortgage: Fixed-principal repayments with decreasing interest costs, resulting in faster mortgage clearance.

• Interest-Only Mortgage: Lower monthly payments, but you’ll need a financial plan to repay the principal later.

• Bouwdepot (Construction Fund): This mortgage option allows homeowners planning renovations to finance home improvements alongside their mortgage.

Why Choose De Financiële Alliantie?

At De Financiële Alliantie, we don’t just secure mortgages; we build lasting relationships. Our expert guidance continues beyond signing the mortgage agreement, ensuring you have a reliable financial partner for the entire 30-year mortgage duration.

Get in Touch with Jan van Kooy

For personalised mortgage advice, reach out to Jan directly:  +31 6 25 17 80 94
jan@dfamail.nl

Start your journey toward homeownership with confidence. Contact De Financiële Alliantie today for a consultation and make your dream home a reality!