010 210 22 40 slinge@zuidstadfp.nl Slinge 455, Rotterdam
Customer Portal About Zuidstad Contact
NLENPL
Zuidstad Financiële Planning
Book an appointment

Mortgages: 3 types

An annuity, linear or interest-only mortgage? We’ll explain the different types of mortgage to you one by one.

Hypotheek en gevolgen financiën

What sort of mortgage should I take out?

To help you get started, we’ll discuss a number of mortgage types. For new mortgages, only the linear or annuity mortgage is available. But perhaps you still have existing rights under an interest-only mortgage? We’ll explain the differences to you.

Linear mortgage

With a linear mortgage, you make regular repayments – usually monthly – of a fixed amount towards your mortgage. By making regular repayments, your mortgage debt decreases and, as the term progresses, you’ll pay less and less interest.

With this type of mortgage, your housing costs at the end of the term are therefore much lower than in the early years. Your mortgage debt is fully repaid by the end of the term.

Annuity mortgage

With an annuity mortgage, your gross monthly payments – assuming the interest rate remains unchanged – remain roughly the same throughout the entire term. This is because you pay a fixed amount comprising a portion of interest and a portion of capital repayment.

At the start, your housing costs consist largely of interest; by the end of the term, they consist mainly of capital repayment on the mortgage loan. Like the linear mortgage, this type of mortgage offers you the certainty that you will have repaid your mortgage in full by the end of the term.

Interest-only mortgage

An interest-only mortgage is based on the principle that, during the term, you only pay interest on your loan. In principle, with this type of mortgage, you do not have a provision in place to build up the capital repayment amount.

The mortgage is repaid, for example, through the sale of the property or in the event of death, provided that arrangements have been made for this.

Zuidstad: Personal and professional advice.

Whether you opt for an annuity mortgage, a linear mortgage or a (partially) interest-only mortgage: the right choice always depends on your personal situation and future plans. At Zuidstad Financiële Planning, we take the time to work with you to identify which type of mortgage really suits you.

Would you like to know what options are available to you and what the monthly repayments would be? Then book a free consultation with us. Together, we’ll ensure you make the right decision with confidence for your home and financial future.

← Back to Mortgages

That’s why Zuidstad

Be confident in your choice.

Advice in your own language

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.

Just enjoying life

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.

At home in Rotterdam for over 20 years

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.

Customer stories

Personal advice

Every client has their own story and questions. This calls for a personalised approach. Read how, together with our clients, we identified their wishes, concerns and opportunities, so that they could take their next step with confidence.

Klantverhaal: Oude huis aanhouden voor verhuur? Noor & Justin, Rotterdam
Customer story

Should I keep my old house to let it out?

Noor and Justin want to buy a new home together. The question is: can they keep Justin’s old home and let it out, or would it be wiser to sell it?

We were about to buy a house together. Our offer had been accepted and we wanted some guidance on applying for a mortgage.

Justin still had a mortgage on his previous house, which we wanted to transfer over. We were also considering keeping that property if possible.

Read the full story
Read all the customer stories
Google Reviews

What our customers say about us

Reviews that people have left themselves on Google.

4,9 ★★★★★
View all 125 Google reviews
Vincent De Ronde Posted on september 2026 Via Google Reviews

Van het eerste contact tot en met de weg naar de notaris. Ben ik geweldig geholpen door Tom bij het kopen van mijn nieuwe woning.
Alles was heel duidelijk. Top!!

Kostas Vlora Posted on september 2026 Via Google Reviews

Thomas is the best.thank you very much

Joaquin Percheron Posted on augustus 2026 Via Google Reviews

I had an amazing experience with Zuidstad Financiële Planning. Tom and Paulina were absolutely amazing throughout the entire process. They were always helpful, responsive, patient, and made everything clear and easy to understand.
From the very first meeting, everything moved incredibly quickly. By the very next day, Tom had already submitted an offer on the home I wanted, and it was accepted! The whole process from there was handled very efficiently and smoothly.
I’m genuinely very grateful for all their help and support. Tom and Paulina are the best! I would definitely recommend Zuidstad Financiële Planning to anyone looking for professional and friendly mortgage advice. Thank you so much to the entire team for all your help! 😊🏡

robert dongor Posted on augustus 2026 Via Google Reviews

Wij hebben bij de koop van onze woning een prima prijsonderhandeling, service, juiste adviezen en informatie gehad. Wij zijn echt content en raden ZFP aan aan een ieder met de serieuze intentie van kopen van real estate.

Michael Visser Posted on augustus 2026 Via Google Reviews

Wij zijn goed geholpen door Tom en zijn collega’s. Wij hebben nu voor de 2e keer een woning gekocht en beide keren met hulp van Zuidstad Financiële Planning. Goed en eerlijk advies.

John s Posted on augustus 2026 Via Google Reviews

Hele goede ervaring zuidstad financiële planning altijd goed en duidelijk geholpen! Echt een aanrader!

Maciej Posted on juli 2026 Via Google Reviews

Polecam współpracę z Panem Adamem. Przeprowadził mnie przez cały proces od A do Z.

Karolina Golonka Posted on juli 2026 Via Google Reviews

Super współpraca. Cały proces poszedł sprawnie i bezproblemowo. Serdecznie polecam!

Natalia Golonka Posted on juli 2026 Via Google Reviews

Polecam, pierwsza licytacja od razu wygrana mieszkanie udało mi się kupić w 2-3tyg a cały proces przeszedł szybko i bezproblemowo! Miła współpraca

Mortgages

Other topics within Mortgages

bieden woning Rotterdam euromast maas

Making a good offer

Know where you stand before making an offer: what is a sensible amount, and what will it mean for your monthly outgoings?

Overwaarde opnemen

Withdrawing equity

Using your home equity for a renovation, your next property or your financial plans. What are the options?

Hypotheek oversluiten

Refinancing a mortgage

Are you still paying a rate that’s in line with current market conditions or your circumstances? We’ll look into whether refinancing would be beneficial in your situation.

More topics within Mortgages

Have you made up your mind about your financial decision yet?

Book a free consultation. Just a good chat about your situation.

Book a free consultation Call 010 210 22 40
How much does an initial consultation cost?

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.

Are you really independent?

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.

What do I need to prepare?

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.

Can I come here as an expat too?

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.

Do I need to pop into the office?

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.

I’m an entrepreneur – can I come to you for help?

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.

Book a free consultation