No finance advice · let property · referral

Financing property to let

Finance and insurance are two professions, each with its own licence. We do the second. Here you can read what a lender requires of your policy and where things go wrong with letting.

several insurers compared objectively
9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Vastgoed financieren voor verhuur.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
We arrange the switch, including cancellation

Get in touch

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

Finass Verzekert holds an AFM licence for non-life insurance (12016589). Financing property falls under a different licence category. We do not advise on it and do not act as intermediary in it. For that you go to a party from the public AFM register.

Please note: borrowing money costs money. With consumer credit and mortgage credit, what makes the difference is the annual percentage rate (APR) makes offers comparable. The monthly payment does not, because it also depends on the term. Licence holders consult the BKR (the Dutch credit register) for credit from 250 euros with a term of more than a month. Anyone who says it can be done without that check generally does not hold that licence.

What we do do appears as a condition in virtually every finance quotation: the security must be insured. For a let home that is buildings insurance for homes that are let, for commercial property a buildings insurance. The letting must appear on that policy.

Cover
Points to note
What to look out for
Frequently asked questions
Contact

Who does what in finance and insurance?

Three cards with the division of roles, and beneath them who carries out each task.

Different licence

What we do not do

Everything to do with the loan itself we leave to a licensed party.

No financing advice
No brokerage or application
No statement about borrowing capacity

Your checklist

What to look out for

What you check yourself before signing a quotation.

The provider's AFM licence
APR rather than the monthly payment
Which insurance is required

Our profession

What we do provide

The general insurance around the property you buy and let.

Buildings insurance
Glass and loss of rent
Liability as owner

What is covered

Situation	At Finass Verzekert	With the licensed provider
Advice on the form of finance and the term	No	Yes
Assessment of your income or rental income	No	Yes
BKR check and statutory credit information	No	Yes
Buildings insurance on rebuild value	Yes	No
Having the letting recorded on the policy	Yes	No
Recording the lender as an interested party	Yes	Provided that

What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart).

Where things go wrong with let property

Four points that determine whether your policy pays while the finance continues.

Letting must be stated on the policy

A buildings policy is accepted on the use you declare. If you let a home registered for owner occupation, you breach 7:928 DCC. The insurer may then, under 7:930 DCC reduce or refuse the payout.

Buildings insurance (opstalverzekering) for a let home

Rebuild value is not the same as the purchase price

The finance is tied to the market value, the insurance to the rebuild value. If you insure on the purchase price, you are underinsured in the event of a large loss and payment is made proportionately. A valuation under 7:960 DCC removes that discussion.

Letting rooms individually is a separate risk

Letting by the room, to migrant workers or as holiday accommodation is a different type of risk for many insurers. Some policies exclude it, others impose requirements on fire compartmentation and smoke alarms. Declare the actual form of letting, including where it changes during the term.

Buildings insurance (opstalverzekering) for rooms let

You are liable as possessor

If a roof tile falls on a car or a balcony railing gives way, you are liable under 6:174 DCC, even without fault. That liability is not included in buildings cover. A separate policy for the owner is needed for it.

Property liability

What to look out for when comparing

The provider's licence: check the party in the AFM's public register
APR above the monthly payment: only the annual percentage rate of charge is comparable
Total cost of credit: ask for the amount over the whole term, not per month
Penalty-free repayment: whether and how much you may repay without a charge
Insurance requirements: which policy and which value the financier requires
Notification of letting: without that notification your cover is on shaky ground

This overview is general in nature and is not personal advice.

How it works

You choose your own lenderWe name no party as the best and charge you no advice fee.
You set the requirements alongside the quotationIt sets out which policy and which value are required.
We arrange the insuranceWith the form of letting and the financier correctly on the policy.
You keep the policy up to dateIf the use, form of letting or value changes, you report it to us.

Get in touch

9.5New policy

9.8Claims handling

Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Does Finass Verzekert arrange the finance for my rental property?

No. Our licence covers general insurance. Advice on and intermediary services in finance fall under a different category, so we do nothing in that field. We refer you to a party that does hold a licence for it, and in the meantime arrange the insurance the lender asks of you.

Which insurance does a lender usually require?

Almost always buildings insurance on rebuild value, with the financier named as an interested party on the policy. That way a payout after a fire cannot be spent behind its back. With commercial property, glass and loss of rent are often added. Arrange that at the same time as the quotation, not afterwards.

What happens if I do not report the letting?

The insured risk then differs from the actual risk. Under Article 7:928 of the Dutch Civil Code you must declare on inception everything relevant to acceptance. If it emerges after a loss that the insurer would have accepted you on different terms, it may reduce or entirely refuse payment under Article 7:930 DCC.

Why is there no interest rate on this page?

Because we do not offer finance and therefore present no rates. Interest rates, cost percentages and borrowing capacity come from the licensed provider, in the form prescribed by law. Please note! Borrowing money costs money: compare offers on the annual percentage rate of charge and not on the monthly payment.

Would you like to discuss the insurance?

For the finance we refer you on. For buildings, structures, glass and liability you can come to us.

Get in touch

Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.

About our service

Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.

You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.

This page was written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Financing property to let

In brief

Who does what in finance and insurance?

What we do not do

What to look out for

What we do provide

Where things go wrong with let property

Letting must be stated on the policy

Rebuild value is not the same as the purchase price

Letting rooms individually is a separate risk

You are liable as possessor

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

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Would you like to discuss the insurance?

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Financing property to let

In brief

Who does what in finance and insurance?

What we do not do

What to look out for

What we do provide

Where things go wrong with let property

Letting must be stated on the policy

Rebuild value is not the same as the purchase price

Letting rooms individually is a separate risk

You are liable as possessor

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

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About our service

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