It's important that you are comfortable with your housing costs. A mortgage is a long-term commitment and you need to factor in interest-rate increases as well as maintenance costs. This is why you should make a detailed housing cost calculation.
When you apply for a mortgage, we assess your repayment ability from the information in your mortgage application. We also do a credit check at UC (business and credit information agency) to see whether you have any record of non-payment. Finally, we do a property valuation so that we can accept it as collateral. You can borrow up to 85 per cent of the purchase price/market value of the property.
Our mortgage services
It's good to have a mortgage agreement in principle certificate already when looking for a property. It's free, your application is processed quickly, and you can then easily apply for a home loan. You can have a mortgage for a house, cooperative apartment or holiday home.
Whether you intend to renovate, carry out energy-saving measures or move into a brand new home, we have loans to suit each purpose. The same applies if you are retired and want to unlock cash from your home by mortgaging it.