Welcome, I’m Ralf van Arkel — your personal mortgage advisor in Utrecht. With over ten years of experience in the field, I help you find a mortgage that truly fits your life and needs. My approach is personal, transparent, and completely independent. I don’t work for a bank — as an independent mortgage advisor, I work solely for you.

Free consultation

Personal advice, tailored to your situation

Buying a home is one of the biggest financial decisions you’ll ever make. That’s why I take the time to truly understand your situation. Whether you’re a first-time buyer, moving on to your next home, looking to refinance your mortgage, or simply want to explore your financial options — I’ll provide clear, reliable advice you can count on.

Afbeelding voor Independent advice, with access to over 40 lenders

Independent advice, with access to over 40 lenders

As an independent advisor, I compare over 40 mortgage lenders to find the best interest rate and terms for your situation. That way, you’re guaranteed a mortgage that fits both your needs and your budget.

Strong network, smooth process

Thanks to my exclusive partnership with Koning Aankoopmakelaars in Utrecht (named “Best NVM Buying Agent in the Utrecht Region” in 2024), you benefit from a well-coordinated and efficient process. Together, we make sure you have a stronger position when making an offer — and that your mortgage journey is fast and smooth.

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Why Choose Ralf Garant Hypotheken?

Personal and committed
Independent and objective advice
Always the lowest interest rate with the best terms
Clear communication without unnecessary jargon
Free check by a certified NVM buying agent

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.
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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

Afbeelding voor Interested in a free introduction? Let’s get in touch!

Interested in a free introduction? Let’s get in touch!

Easily schedule a free, no-obligation consultation — by phone, online, or at our office. I’ll gladly take the time to discuss your situation and answer all your questions.

Contact me