We help you all the way!

Mortgage advice roadmap

Your income level might have increased, you may have equity in your current home and still benefit from a low interest rate on your current mortgage. If this gets you thinking about a new home, give us a call! Let’s meet to discuss all ingredients that impact the maximum mortgage you can get. After the mortgage meeting, you know exactly what you can offer.

Experience A&H Finance five step mortgage advice roadmap:

1. Introduction 2. Upload 3. Orientation 4. Plan & advise 5. Congrats!

We help you all the way!

Mortgage advice roadmap

Your income level might have increased, you may have equity in your current home and still benefit from a low interest rate on your current mortgage. If this gets you thinking about a new home, give us a call! Let’s meet to discuss all ingredients that impact the maximum mortgage you can get. After the mortgage meeting, you know exactly what you can offer.

Our roadmap

1. Introduction on the phone

Do you have an accepted offer on your house, seen a house that you like, or do you want to know how much you can borrow?

Contact us for a first introduction on the phone. Of course, filling out our contact form on the website is also possible.

During this introductory call, we will explain our procedure and ask some basic questions. You will have a first impression of A&H Finance and our mortgage expert on the phone has a first impression of your personal situation. After this conversation, you will receive a personal digital upload environment and will receive a request to upload documents that are of importance for your mortgage advice.

2. Share your information

During the call, we have made a first estimation on which documents we will need for a good preparation of your mortgage advice.

Via the digital environment, the documents can be uploaded in PDF format. The documents that are most frequently needed are:

  • Most recent salary specification
  • Recent employer’s declaration
  • Overview of your pension
  • Overview of employment history
  • Copy passport
  • Statement of savings accounts and/or loans
  • If possible, data on current property and mortgage, and financial products.
  • The filled out client profile document (we will send a blank copy per e-mail after the first call)

3. Orientation meeting

For such an important decision as buying a house, it is important to have an orientation meeting to discuss all possibilities, in an environment that suits you best. Advisers at A&H Finance are happy to have meetings after working hours, either at our office in Amstelveen or by video.

  • In the first mortgage advice meeting we will personally tell you who we are and how we work. See our service document mortgage application as well. We want to get to know you and discuss what you want in terms of a buying a house.
  • We will go through the different mortgage types, constructs, and providers you can choose from and also discuss mortgage interest rates.
  • We provide a tailor-made indication of the maximum mortgage you can receive and its accompanying monthly costs.
  • At the end of this meeting, you will receive our service agreement in which the terms and conditions are specified between you and A&H Finance. If you want us as your mortgage adviser, you can sign the agreement then and there. Of course, you can take the document home and think about it!

4. Mortgage plan and advice

After you signed the service agreement, we can continue working on your personal mortgage advice.

  • Assessing your current and future financial situation.
  • We find mortgage types and providers that suit your personal needs best.
  • We calculate the monthly costs and provide insight on possible risks and how to minimize them. For example: unemployment or becoming unfit to work.
  • You will receive a financial plan that is based on our meetings and documents provided by you. If you agree with the financial plan, we request a concept of the mortgage offer from the mortgage provider.
  • As soon as possible, you will receive an offer for the mortgage interest rate. The terms for receiving this depends on the mortgage provider and your personal situation. We will give an indication on how long this will take.
  • With the mortgage offer, the terms and conditions of the mortgage are specified. These include, among others: mortgage type, mortgage interest rate, and the total mortgage principal.
  • We will schedule an appointment to go through the concept mortgage offer with you personally.
  • If everything is clear, you sign the mortgage offer and we discuss relevant insurances. We send the signed offer and required documents to the mortgage provider.
  • If needed, we can arrange an appraisal.
  • If you agree upon a bank guarantee with the seller, we are able to help you with that as well.
  • In addition, we will send the application(s) for requested insurances to the insurance company (e.g. term life insurance) to have them assessed as soon as possible.
  • It is important that the dissolving terms stated in your purchase contract do not expire before the binding offer is received. We will actively keep an eye on these dates.

5. Congratulations! To the notary

  • After evaluation of the mortgage provider you will receive the final offer and the mortgage is approved. You can make an appointment with a notary for signing the deeds.
  • If needed, we can assist you with any additional type of insurance such as property insurance.
  • The notary drafts up the note of settlement and sends this to you per e-mail. The mortgage provider transfers the amount of the mortgage to the notary.
  • We will contact you to discuss the note of settlement and mortgage deed.
  • When both the mortgage deed and ownership deeds are signed, you are officially the owner of your new home!
A&H Finance: Full service & independent expat mortgage advice

We will guide you

You already own a home, most likely, with a mortgage on it. Your dream? Move to a larger house? Or to the rural area for extra space? Is your family expanding? Or looking for a more energy friendly house to lower your monthly costs?

When orienting yourself on your next home, it all starts with a good insight into your maximum budget. Our service includes all aspects related to buying a house, such as applying for your mortgage loan, identifying the possibility of moving your interest rate to your new mortgage, non-life and life insurances. Competitive price arrangements are made with third-parties such as appraisers, technical inspectors and notaries.

When you are well-informed about your financial possibilities in advance, you are likely to succeed in buying your

Contact us
© Copyright A&H Finance 2025 Visit our Dutch website - A&H Finance is part of New Business Group B.V.
Dutch