Moving to your next home: what are your options, and what should you do about your current mortgage?
Ready for your next home? Your options depend on more than just your income. The value of your current home, your existing mortgage and, consequently, any equity you may have also play a part.
We’ll compare the options and work through the scenarios, so you can make a decision based on figures rather than gut feeling.
We’ll also check whether your existing mortgage can be carried over in full or in part. This helps you avoid any surprises during a move, which is already stressful enough.
Would you like to find out what’s possible in your situation? Book a free introductory meeting. We’ll review your situation together and agree in advance on the cost of any further advice.
Many mortgages include a relocation scheme that allows you to carry over the interest rate terms of your current mortgage. Whether this is possible, and for what amount, depends on the terms and conditions set by your mortgage lender. This can make a significant difference to your new monthly repayments, particularly if your current interest rate is low.
If you sell your current home for more than the outstanding mortgage on it, you will have equity. This can play an important role in financing your next home. How you use this equity will also have implications for your new mortgage and, possibly, for your mortgage interest relief.
That’s possible, but whether it’s wise is another matter. If you release equity by increasing your mortgage, you’re borrowing money with your home as security. For a car, which actually depreciates in value, this could mean you’ll be paying for it for years to come.
We therefore look not only at whether it’s possible, but also at what it costs and whether it fits in with your financial plans.
When it comes to major, important matters such as buying a home, it’s reassuring to be able to receive guidance in your own language.
We’ll work out which monthly costs suit your everyday life, leaving room for the things that matter to you, so you can simply enjoy life.
For over twenty years, we have been helping people in Rotterdam and the surrounding area with their financial decisions. We know all the key players in the region and use that experience to help you with your plans.
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Pop in at the Slinge in Rotterdam, or book an appointment. We’d be happy to make time for you.
Monday to Friday from 9.00 am to 5.00 pm. Prefer to visit in the evening? We’re also open by appointment on Thursday evenings.
Book an appointment
Great! You’re looking to buy your first home. There’s a lot to take in. We’ll help you get started and explain everything you need to know.
Financing for a new-build property works differently to that for an existing property. We’ll walk you through it.
Buying a second home – whether for your own use, for your children, as a holiday home or to let out – requires a tailored approach.
Book a free consultation. Just a good chat about your situation.
The first consultation is, of course, free of charge. We’ll discuss your situation, plans and any questions you may have, and see how we can help you. We’ll then explain what the next steps are, and any costs that may be involved. That way, you’ll know exactly where you stand from the outset.
Yes. We are not tied to any one bank or insurer, and we do not work on commission. We are familiar with all the providers, their costs and their terms and conditions. We’ll look at which provider best suits your situation.
Think about what you’d like to discuss and what plans or questions you have. A rough overview of your income, fixed expenses and any mortgage will help us get started, but it isn’t essential for the first meeting.
Would you like specific advice during the first meeting? If so, it would be helpful if you could bring your payslip, a statement of your savings, a list of your loans, etc., or send them to us in advance.
If you’d like, we can set up your account on the client portal in advance so you can upload documents. Please let us know when you book your appointment, and we’ll create an account for you.
Yes. Even if you’re an expat, we can help you with your mortgage and other financial queries. We’ll look at how your income and circumstances factor in and which options are best suited to your situation. We have extensive experience in this area. The consultation can be in Dutch, English or Polish.
You’re welcome to visit our office on the Slinge in Rotterdam. Of course, you can also book an online appointment. Whichever suits you best. You’ll receive the same personalised attention and clear explanations.
We’re open Monday to Friday from 9.00 am to 5.00 pm and on Thursday evenings by appointment.
Yes, of course. As an entrepreneur, your annual income can vary. We’ll look at your personal and business circumstances and find out which mortgage options are best suited to your situation. You can also come to us with any questions you may have about your pension, insurance and financial future.