Your Mortgage Clearly and Smoothly Arranged in Eight Steps
Buy Responsibly — and with Confidence
Buying a home in the Utrecht region starts with a solid plan. That’s why at Ralf Hypotheken, your journey always begins with a personal consultation. If you like, this can be combined with an introductory meeting with an NVM-certified buying agent. This way, you’ll get all the ins and outs of the housing market upfront — so you’re fully prepared from day one.
During our meeting, I’ll calculate how much you can borrow and what your monthly payments will be. We’ll also discuss the option of making an offer without a financing condition — which can significantly increase your chances of success and may even help you secure a lower purchase price. It’s important to know that you can only finance up to the appraised value of a property. Anything above that must be paid with your own funds.
In today’s competitive market, bidding above the appraised value is often necessary — so knowing the true value of a home is essential. Thanks to my partnership with Koning Aankoopmakelaars, I can give you solid advice on this ahead of time. Even if you’re searching without a buying agent, I offer a free service where an NVM agent can assess the purchase price. That way, you can begin your home search well-prepared and with confidence.
Schedule a No-Obligation Appointment
Booking an intake meeting at our office is easy. Beforehand, you’ll receive all the necessary information and documents by email, so you can fill them out in advance. This way, we can get straight to the point during our conversation and make the most of your time.
Consult
You’ll meet your dedicated mortgage advisor. Together, we’ll look not just at what you can borrow, but more importantly at what you want to spend — based on your life, plans, and personal goals.
A Clear Pricing Proposal
After our meeting, you’ll receive a tailored proposal. Every situation is different — and so is the advice and corresponding fee. We’re always transparent about this, so you’ll know exactly what to expect.
Submit Documents — Easily and Securely
Ready to move forward? We’ll ask you to provide a few documents, such as your passport, payslip, and employer’s statement. With our handy checklist and secure upload portal, it’s all quick and safe to arrange.
Personal Advice with a Focus on Security
You’ll receive a complete mortgage recommendation, including a discussion of important risks such as disability, unemployment, death, and retirement. This helps you make informed decisions — both for now and the future.
Offer Accepted? We’ll Get to Work
Once your offer is accepted, we’ll submit your mortgage application to the lenders that best suit your situation. We don’t just look for the lowest interest rate, but also for terms and conditions that matter most to you.
We handle the process for you
We take care of the entire administrative process and coordinate everything with the bank, notary, buying agent, and any insurers. You won’t have to chase anything yourself — we’ll keep you updated every step of the way.
Enjoy Your New Home!
Even after you’ve moved in, we’re here for you. Whether you have questions later on or need advice about your mortgage, pension, or financial planning — you can count on us.
What our clients say
Highly recommended!
Clear in advice
Always available and quick to respond
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.
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.
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.
