Maximum certainty at an attractive rate.

Our approach is different. As the only mortgage advisor in the Netherlands, we involve the buying agent and appraiser in the financing process before you even sign the purchase agreement. This way, we eliminate virtually all risks that a mortgage application can entail, ensuring you can search for your dream home with peace of mind and confidence.

At an early stage, you’ll gain insight into the appraised value, and the NVM buying agent will assess the financing feasibility in advance to minimize potential issues during the mortgage process. With attractive terms for the seller, you’ll maximize your chances in the housing market. Thanks to the unique collaboration between mortgage advisor, buying agent, and appraiser, you’re better off with Ralf Hypotheken.

Curious? Fill out the contact form for more information or to schedule a free online introductory meeting. Did you know we compare over 40 banks, so you’re always guaranteed the most competitive mortgage offer?

Certainty with Ralf Garant Mortgages

First consultation free

More than 10 years of experience as a mortgage advisor

Secure the lowest interest rate with the best terms

Choose certainty and financial benefit

The Right Mortgage — No Matter Your Situation

Starter

Buying your first home is exciting — and a bit overwhelming. But with the right advice, the process becomes much easier. We’ll help you secure a competitive mortgage and provide clear guidance every step of the way, so you always know exactly where you stand.

I am a starter

Moving on

Ready for the next step? Whether you’re upsizing or downsizing, having the right mortgage tailored to your situation is essential. We’ll ensure you get competitive terms and clear guidance every step of the way.

I am buying my next house

Expat

Living and working in the Netherlands? As an expat, you’re also welcome to arrange a suitable mortgage with us. We’re happy to provide personal advice and make sure everything is clear and properly taken care of.

Ik am an expat

Get to know Ralf Hypotheken

The housing market is dynamic and competitive. Homes sell quickly, and more and more often you see buyers making offers without a financing contingency to increase their chances.

It may sound risky, but with the right preparation and an experienced mortgage advisor, NVM buying agent, and appraiser by your side, you can do this in a responsible way.

Want even more certainty? Then take advantage of our bidding insurance. Fill out the contact form for more information or to schedule a no-obligation appointment.

What our clients say

Highly recommended!

We had a great experience working with Ralf as our mortgage adviser. From the very first meeting, he was clear, patient, and really took the time to understand our goals. We had done some homework ourselves and looked into different types of mortgages and Ralf always adjusted his explanation to fill in the gaps and make sure everything made sense to us. Thanks to his help, everything, from figuring out the right mortgage to getting bank approval, was sorted within just a few weeks. We really appreciated how approachable and professional he was. Highly recommended!

Foto Ralf Hypotheken - Koning Aankoopmakelaar 36

Catarina

Utrecht

Clear in advice

Ralf provided excellent support during the purchase process of our new home. He is clear in his explanations and advice. Communication via email is also quick and straightforward. We are very happy with Ralf’s services.

Foto Ralf Hypotheken - Koning Aankoopmakelaar 249

Ilir en Isabelle

Utrecht

Always available and quick to respond

Ralf provided assistance with our mortgage application, clearly explaining the whole process and offering various models to better clarify the financial costs. He was always available and quick to respond. Additionally, Ralf assisted us in obtaining life insurance. We found his guidance very helpful throughout these financial processes.

Foto Ralf Hypotheken - Koning Aankoopmakelaar 315

Pavol

Utrecht

Working together for the best mortgage solution

Taking out a mortgage isn’t something you do every day. There’s a lot to take in, the choices are many, and the financial impact can be felt for years to come. That’s exactly why expert and independent mortgage advice is essential — and that’s where I’m happy to help.

Ralf Hypotheken is based in Utrecht and knows not only the mortgage market but also the local housing market inside out. Whether you’re buying your first home, moving, or adjusting your existing mortgage, I’ll make sure you know exactly what your options are and which mortgage truly fits you.

I take the time for you, explain everything clearly, and compare dozens of lenders to find the most competitive rate and best terms. Together, we’ll make the choice that fits your wishes, plans, and future.