Want to make your home more sustainable without having to move into a cabin in the woods or use up all your savings? Include insulation, solar panels or a heat pump in your mortgage.
More and more homeowners are choosing to make their homes more sustainable. Not only to save energy and reduce monthly costs, but also because an energy-efficient home is often worth more. Think of solar panels, insulation or a heat pump.
Not every renovation qualifies as a sustainability measure. Banks and lenders have clear guidelines.
These investments often improve your living comfort whilst reducing your energy bill.
A higher mortgage means higher monthly payments. However, this is offset by a reduction in your energy bills. We’ll work out the figures for you so you can understand the payback period and make the right choices. Book an appointment.
Not at all. Making your home more sustainable doesn’t necessarily mean you have to change your whole way of life. It’s mainly about which measures suit your home, your preferences and your budget.
Sometimes, good insulation is a smart first step. In other situations, solar panels or a heat pump might be worth considering. We’ll look at what’s financially feasible and what you feel comfortable with.
In certain situations, you can borrow additional funds for energy-saving measures. The amount you can borrow depends, amongst other things, on your income, the property’s energy rating and the measures you wish to carry out.
That depends on the investment, the financing costs and how much energy you save as a result. A lower energy bill does not, therefore, automatically mean that your total monthly outgoings will fall straight away. We look at both sides: what does the sustainability measure cost per month, and what is it expected to yield?
No, not necessarily straight away. Going completely off gas can be a great final step, but first make sure your home is ready for it. You can also make your home more sustainable step by step, for example with insulation, HR++ glazing or other energy-saving measures.
Which steps make sense depends on your home, your plans and, of course, your budget. So you don’t have to do everything all at once.
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.
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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.