Help, I’ve got student debt! And I want to buy a house...
When calculating your maximum mortgage, the monthly repayment on your student loan is taken into account. As a result, you can usually borrow less than if you didn’t have a student loan.
The size of the difference depends on your student loan debt, the repayment rules that apply to you, your income and your wider financial situation.
This way, you’ll know in advance the price range you can look at, and you won’t be faced with any surprises when you apply for a mortgage.
Don’t let your student debt be a reason to conclude on your own that buying a home isn’t feasible. Make an appointment. We’ll work out what’s possible in your situation and what you can afford to spend on housing.
Making extra repayments can affect your mortgage options, but it also means using money that you might need for the purchase of your home or as a financial buffer. We can work out exactly what making extra repayments will actually achieve in your situation.
Yes. Your student loan debt is a financial obligation and must be taken into account when determining how much you can safely borrow. This ensures that your mortgage is calculated based on your actual financial situation.
Your student loan and your mortgage both have to be paid from the same income every month. That’s why we don’t just look at the maximum amount you can borrow, but also at your total monthly outgoings. Owning your own home is great, but you don’t want to end up just sitting on the sofa at home afterwards.
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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Will you have enough left over after you retire to live comfortably?
Targeted saving or investing, tailored to what you want to achieve with your money.
Being properly insured. Are you already covered? What do you really need, and what’s particularly useful?
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.
