Finance a renovation with a building savings account, without letting your monthly payments get out of hand.
Whether it’s an extension, a new kitchen or a thorough refurbishment, a renovation requires money – and financing that suits both your plans and your budget. Sometimes this can be covered by your mortgage, whilst at other times a different option makes more sense.
Of course, there’s much more to consider. Are you already dreaming of your renovation? We’d be happy to explore the financing options with you. That way, you’ll know what you can afford before you accept quotes and finalise your plans. And who knows – there might be far more possibilities than you realise! Book an appointment.
A building fund is a separate account linked to your mortgage where (part of) the money for your renovation is set aside. You pay for the renovation costs from this fund, for example by submitting invoices from the builder or supplier.
There are conditions governing which costs you may pay from the renovation account and how long the account remains available. These vary depending on the lender.
Who knows! But before your wish list gets any longer, it’s worth knowing what total budget you can comfortably stick to. We’ll work out how much you’ve got to spend and what different budgets mean for your monthly outgoings. Then you can decide for yourself where you’d rather spend your money.
Yes, if there is sufficient equity and your financial situation allows it, you may be able to use some of it for the renovation. However, this usually means that your mortgage and monthly repayments will increase.
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.
We’ll listen to your plans, ask follow-up questions if anything’s unclear, and work out what suits your situation best. And the paperwork? We’ll take care of that for you.
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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.
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Know where you stand before making an offer: what is a sensible amount, and what will it mean for your monthly outgoings?
Using your home equity for a renovation, your next property or your financial plans. What are the options?
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.
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.
