Before purchasing your home, you might want to explore the property and mortgage market first. Making a final decision means a truly exciting and demanding period will present itself. Oscar Prent Assurantiën has invested best efforts to make the Dutch mortgage process perfectly easy to understand.
All steps required are explained at length below:
Exploratory talk and acquaintance
Your mortgage loan obviously depends on a number of aspects, like your (joint) income, private assets and personal circumstances. At this stage, together with your independent mortgage expert representing Oscar Prent Assurantiën BV, you will design your appropriate mortgage structure bearing in mind e.g. your lifestyle and any (old-age) facilities that might exist.
Advisory talk beforehand
Analysing the sales contract
Requesting mortgage proposals… collecting the documents required
The documents involved:
● Proves of identity (not a driving license) ● The latest payslips ● Original employers’ statements ● Current mortgage statement (residual debt/conditions) ● Current mortgage insurance ● Current life insurance and/or pensions (policy documents) ● Any other loans and credits ● A copy of the signed (preliminary) sales contract.
Signing the mortgage proposal and documents involved
The necessary steps (e.g. bank guarantee, bridging loan)
● Bank guarantee ● Conditions subsequent ● Bridging mortgage loan ● Civil-law notary (completion statement) ● Real estate agent (valuation report)
We will address lenders and insurance companies on your behalf. We will update you on your file, in writing or by telephone. If the lender or insurance company requires any additional details, we will contact you directly. Oscar Prent Assurantiën BV will be in touch as soon as these documents have been accepted.