Home Mortgage Loan Applying for a Mortgage Loan? Which Bank? We Know

Applying for a Mortgage Loan

The purchase of your new home hinges on the numbers. It is crucial to know how far your resources stretch once you add everything up: the loan, notary fees, renovations, and other monthly bills. With our calculation module, you will know how much you need to borrow.


What is a Mortgage Loan?

A mortgage loan, or home loan, is a loan where real estate is used as collateral. The borrower enters into an agreement with the lender (usually a bank). The borrower then receives cash to purchase a house, apartment, plot of land, or to build or renovate a property. The borrower makes monthly repayments over a set period until the lender is fully repaid.

The Best Mortgage Loan

When should you be satisfied with the bank’s offer for your home loan? Many people ask themselves this question daily. It’s difficult to determine if you’ve secured a good deal at the bank. Comparing with friends and family is nearly impossible since your projects are never entirely the same, not to mention the type of mortgage loan. Think about differences in salary, personal funds, employment contracts, and especially time. Interest rates at lenders can change dramatically from one day to the next.

Now, we assume that the fixed or variable interest rate fully determines the home loan. Nothing is further from the truth, as banks make significant earnings not from that shiny percentage that gets all the attention. No, a large chunk comes from the expensive fire and loan balance insurances you have to take out to get that low interest rate.

So, finding ‘the best mortgage loan’ for your project is anything but easy. It’s even harder when small print and hidden clauses pop up, full of pitfalls that you, as a layperson, may not be prepared to handle. It’s not a fair fight, and we at hypotheek.winkel felt the same when we started in 2001. Our goal? To help people find the best home loan tailored to their future.

Why Apply for Your Mortgage Loan at hypotheek.winkel?

Good news: once hypotheek.winkel has guided you to the best loan, we are almost done. Does closing a mortgage loan sound like a hassle? It doesn’t have to be.

Yes, it’s certainly a big job to keep everything straight. But that’s exactly why hypotheek.winkel exists. Thanks to us, you don’t have to visit 25 banks: one hour with us, and it’s done. And what’s even better: we tell you everything your banker prefers not to mention, and in plain language. Rest assured, we explain all those tricky terms, from loan-to-value ratio to loan balance insurance, in clear language. Now you can focus on what color wallpaper you want. We’ll handle the rest, free of charge!

Want to Apply for a Loan Without Worries? Come Visit Us!

Estimates are handy, but ultimately, you want an overview of all the numbers, down to the last comma. We help you create a calculation that takes into account all the costs associated with buying your home. No surprises at the end of the journey when you apply for your loan, we promise!