Refinance a mortgage:

• Orientate:

  Before you take out mortgage bearings . What type of mortgage and what interest rate do you have now, what are your monthly mortgage payments , what are the current interest rates? A mortgage advisor can help you identify your current situation and investigate whether a mortgage conversion is beneficial for you. The orientation meeting is without obligation and free of charge.

• During an interview with the mortgage advisor:

  The advisor will map out your financial situation and look at the options. When refinancing your mortgage, you usually pay a fee for early repayment (penalty interest). The advisor calculates the payback period if you refinance. Refinancing is not beneficial in all situations. For example, if you have a savings mortgage, transferring your mortgage interest rarely provides an advantage. However, it is wise to thoroughly examine your financial situation. In many other cases, transferring your mortgage can actually result in significant savings in monthly costs. The advisor will tell you everything you need to know to make the right decision.

• Arrange your mortgage:

  Have you decided to refinance? Then it's time to arrange your mortgage. To do this, you provide various documents to your advisor, such as your salary slip and current mortgage information. It is often also necessary to have your home appraised. Once all documents have been submitted, your advisor will write out advice and start applying for the mortgage.

• Sign the mortgage offer:

  When the chosen mortgage provider agrees to all documents, you will receive the mortgage quotation: the binding offer. After signing the offer, you can start counting down until the day your mortgage is finalized.

• To the notary:

  You go to the notary not only when buying a house, but also when transferring a mortgage. The notary cancels your old mortgage and registers your new mortgage in the Land Registry. After this, everything has been arranged and you can start enjoying your lower monthly costs. Congratulations!

• When to transfer your mortgage?

  Refinancing your mortgage is interesting if there is a financial advantage to be gained. This is often the case when the current mortgage interest rate is much lower than the interest you are currently paying. Do you want to know when refinancing your mortgage is beneficial for you? Calculate it easily with our Transfer Check.

• What costs should I take into account if I refinance?

  Unfortunately, it is not possible to transfer your mortgage free of charge. Take into account the penalty interest, appraisal costs (average €500) and notary costs (average €700). In addition, there are additional consultancy and mediation costs (an average of €2,500). Don't forget any other costs, such as surety fees for NHG mortgages

• Why is a penalty charged when you refinance your mortgage?

  If you take out a mortgage with a mortgage provider, you agree on a fixed interest period, for example ten years. If you want to get out of this contract sooner by transferring your mortgage, the mortgage provider will miss out on this expected interest and ask for compensation. This compensation is also called penalty interest.

• How is the amount of the fine determined?

  The amount of the penalty interest depends on the remaining term of your fixed interest period, the amount of your current interest and the amount of current interest. The mortgage provider often allows you to repay a percentage each year without penalty, for example ten percent. This amount will be deducted from the penalty interest. An additional advantage is that the penalty interest is tax deductible. Calculation example: You have a mortgage of € 200,000. Your fixed interest period expires in two years. You currently pay five percent interest. The current interest rate is 1.5 percent. If you refinance, you will pay off your current mortgage. You can repay 10 percent, or € 20,000, without penalty. That leaves €180,000. The interest difference between your current interest rate (5%) and the current interest rate (1.5%) is 3.5% per year. If you transfer now, the bank will miss out on 7% (2 x 3.5%) interest on € 180,000. The penalty interest is therefore (approximately) 7% of € 180,000, or € 12,600.

• Can I also transfer my mortgage with my own bank?

  You can transfer your mortgage to another bank if that is cheaper. But perhaps your current bank is the ideal party. We are also ready to help you transfer the mortgage under the most favorable conditions possible.

• home
• private
• Maximum mortgage

• home
• part
• Maximum mortgage

Calculate maximum mortgage:

• What is the current mortgage interest rate?

  We give you the most current interest rate overview from more than 40 mortgage providers.

• The mortgage interest rate forecast in 2023?

  Curious about interest rate developments in 2023? Our three interest rate experts from ABN AMRO, ING and Obvion share their expectations about short- and long-term mortgage interest rates every other week.

• How much can I borrow? Mortgage rules 2023

  In 2023 you can borrow a maximum of 100 percent of the home value. This means that you must pay the additional costs, the buyer's costs, from your own money. If you opt for a mortgage with National Mortgage Guarantee, this is possible in 2023 up to a home value of € 405,000.

• An annuity or linear mortgage?

  With our calculation tool you can calculate both an annuity mortgage and a linear mortgage. We are happy to explain the difference between these mortgage types.

• How does a maximum mortgage calculation work?

  With a maximum mortgage calculation you can calculate a mortgage independently. The mortgage calculator calculates the maximum amount you can borrow for a mortgage based on the information entered (such as your income and any loans or debts) and the current interest rates. The calculation is an indication, so that you know within which price range you can search for homes.  

• Can I also calculate the monthly costs of my maximum mortgage?

  Of course! A special monthly costs calculation tool has been developed. By entering, among other things, the desired mortgage amount and your gross annual salary, you can calculate within a few minutes how high the estimated monthly costs of your mortgage will be, both net and gross.

• How much of our own money do we need for a mortgage?

  If you take out a mortgage, there will be a number of costs involved. Since January 1, 2018, you can no longer finance these costs in your mortgage. You therefore need your own money if you are going to buy a house. You should then consider an amount of approximately four to six percent of the purchase price.

• I am self-employed. How can I calculate my maximum mortgage?

  We have taken self-employed entrepreneurs into account in the calculation tool. 

• home
• commercial
• fleet insurance
• Quotation

• SME
• fleet
• Quotation

• Can I insure my fleet?

  Closing your fleet and commercial vehicles in one go certainly sounds very good. Especially if you can also do this online. With every fleet insurance policy, a minimum number of commercial vehicles is required. If you have fewer than the required number of vehicles, you can still find the cheapest options by comparing business car insurance, company car insurance, van insurance and truck insurance. By using our handy online comparison tool you can determine your wishes and get an overview of what it will cost per insurer. The basic insurance is the normal third party insurance with minimum coverage that is mandatory for everyone. You can expand your normal third party liability insurance for your fleet with comprehensive or additional insurance. No idea which coverage you should choose for your fleet?

• What is fleet insurance?

  Fleet insurance is insurance for your business fleet. Fleet insurance includes the minimum mandatory Third Party Liability cover, but you can expand this to suit your wishes and usage pattern.

• How can I compare my fleet insurance?

  Because taking out third party liability insurance for your motor vehicles is mandatory, you may see this as a major expense if you own many commercial vehicles. That is why fleet insurance is perfect for companies in logistics, but also companies where you have many vehicles and want to keep less administration for your company cars. Because every fleet is different, you want insurance that suits your company perfectly. That is why Alpina offers the opportunity to compare multiple insurers. This way you will always find the right and cheapest insurance that best suits your fleet and commercial vehicles.

  Even if you already have business vehicles with individual insurance, it can be interesting to compare. You often receive a discount on taking out fleet insurance because you insure all your company cars at once with one party. You may therefore pay a higher premium for individual insurance policies. We are happy to help you with your fleet insurance.

• Who is fleet insurance for?

  Fleet insurance is for every company with multiple company cars. We also call this a fleet. The fleet of a moving company is different from that of a taxi company. One fleet also runs a higher risk of damage than another, which is why fleet insurance is tailor-made. Even if you already have business vehicles with individual insurance, it can be interesting to compare. You often receive a discount on taking out fleet insurance because you insure all your company cars at once with one party. You may therefore pay a higher premium for individual insurance policies. We are happy to help you with your fleet insurance.

• Why take out fleet insurance?

  Taking out third party liability insurance for your company cars is of course mandatory. That is why it is of great value to insure your fleet. With fleet insurance you have all your company cars insured in one go. You also have less administration, because all your company cars are on 1 policy.

• Which commercial vehicles can I insure with fleet insurance?

  You can take out fleet insurance for passenger cars, vans and trucks, but also campers, vintage cars and motorcycles. It does not matter whether they are wedding cars, garbage trucks, trailers or ambulances, for example.

• How much does fleet insurance cost?

  Fleets are all different, so fleet insurance should always be tailored to your situation. The costs of fleet insurance depend, among other things, on the following factors:

  • The size of your fleet
  • The types of cars in your fleet
  • The claims history of recent years
  • The use of the cars
  • Any additional insurance
  • Prevention measures for damage and theft

• Additional insurance for fleet insurance?

  If you find your third party liability insurance insufficient, you can also choose from additional insurance policies that suit your company. Additional insurance for fleet insurance can include the following insurance:

  • Legal insurance. This insurance provides legal assistance in the event of a traffic conflict. It may happen that an accident has to appear in court if there is uncertainty about which party is at fault. This additional insurance is divided into recovery legal assistance and traffic legal assistance.
  • Damage/passenger insurance. If physical and/or material damage has been sustained after an accident, the damage will be covered. This is usually up to one million euros. The actual damage suffered will be compensated.
  • Accident insurance for passengers. If the driver or passengers are injured in an accident, medical costs will be reimbursed. A predetermined amount is paid out in the event of accidents that lead to disability and/or death.
  • Instruments and equipment insurance. If you use expensive equipment or tools for your company and transport them in your company vehicles, you can also insure them against damage or theft.
  • And many more options for additional insurance.

• Insurance cards

  Insurance cards

• Policy conditions

  Policy conditions

• Damage form

  general_damageform.pdf

WHY SHOULD YOU BE BETTER INSURED WITH US?

• We are there for the customer.
• More than 25 years of experience.
• Personal contact.
• We compare all insurers.

Look at