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Lowest price warranty
Largest offer
Direct response
High package discount
Help with damage
Personal contact
100% independent

50 yr expertise

✔️ Online mortgage tools ✔️ The best options ✔️ Independent ✔️ Completely without obligation

Saving & borrowing:

Saving & borrowing:

To borrow

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Investing

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Finass Insures Want financial products online or request a quote ?
Check the premiums and different options here:

Saving & borrowing:
  • 1. Compare the most complete range of loans

    Indicate your borrowing purpose, what amount you want to borrow and enter some information about yourself. We will then show you the most complete range of loans available for your situation and wishes. The loan with the lowest interest rate is always at the top.

  • 2. Request a quote without obligation

    Have you found the loan of your choice in your loan comparison? Then you can simply request a no-obligation quote online. In the quotation you will find all details and conditions of the loan. You will usually receive this quote the same working day.

  • 3. Sign the quotation and provide documents

    Do you want to apply for the loan from the quotation? Then you return the signed quotation, together with the documents requested by the lender. You can easily upload these documents into your personal online environment.

  • 4. Receive the money in your account

    The lender checks the documents you provide. If everything is in order, you will receive the money in your account within two working days.

Calculate more :

Have you found your dream home? Then use the following calculations.

Can I afford this house?

Here is a handy calculation tool with which you can quickly calculate: how much can I borrow? This way you will know in an instant whether you can afford the home you have in mind. Good to know before you go house hunting.

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What will my monthly costs be?

Have you found a nice home and are you curious about what your monthly costs will be? With this tool you can not only calculate your maximum mortgage, but also easily calculate monthly mortgage payments.

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Frequently asked questions about savings & loans :

  • Can I transfer my loan?

    You can also transfer your current loan. But it's good to know that there are conditions and sometimes costs involved.

  • How do you calculate the maximum amount I can borrow?

    We think it is important that you borrow responsibly. So we look at your income. But also take into account your fixed costs, such as a mortgage. This way we can accurately estimate your credit limit.

  • Can I still borrow money with a BKR registration?

    If you borrow money, this is registered with the BKR. With this registration it is often still possible to get a loan. Have you fallen behind on payments? Then borrowing becomes a bit more difficult.

  • How can I borrow money quickly?

    Borrow money quickly? Then you want to be sure that you can pay the monthly costs and the interest is low. At Independer we also think it is important that you do not get into trouble due to a loan. Before you can choose your loan, we will first show you whether you can borrow the desired amount responsibly. The amount you can borrow in your situation depends on various factors .

  • Which products can you compare?

    On our website we compare more than 50 different loan products from a large number of lenders. At Independer we compare on interest and conditions, so that you can easily find the best and cheapest loan.

  • How can I borrow money quickly?

    Borrow money quickly? Then you want to be sure that you can pay the monthly costs and the interest is low. At Independer we also think it is important that you do not get into trouble due to a loan. Before you can choose your loan, we will first show you whether you can borrow the desired amount responsibly. The amount you can borrow in your situation depends on various factors .

  • What is a model portfolio?

    At many financial institutions you can invest via model portfolios. These match the different risk profiles. Depending on your risk profile, a specific portfolio is recommended. Just like your risk profile, this can vary from very cautious to very risky.  

    Each model portfolio has a general, standard distribution. With a very risky portfolio, your investment can be 100% invested in shares. A very cautious portfolio does not invest in shares, but rather in bonds and liquidities. By spreading your investment across different categories, the risk is lower.

  • What is an investment fund?

    You can also choose to invest through an investment fund. That is a kind of gathering point for investors. You collectively contribute money together with others. Depending on the type of fund, products are then used to purchase products. The most common funds are:  

    • equity funds
    • mixed funds
    • real estate funds
    • bond funds

    An investment fund often specializes in certain sectors, companies and regions. In this way, risks can be better spread and the aim is to achieve the highest possible return.  

    Do you want to invest through an investment fund? Please contact your bank or financial advisor for more information.  

  • What does investing money cost?

    Do you want to start investing? Then it is smart to inform yourself well about the costs and options. This way you prevent unexpected surprises. The costs of investing differ per situation and per financial institution. The more work you outsource, the higher the costs are often. Example: an asset manager is often more expensive than if you invest yourself with advice from an advisor. Are you going to invest yourself? Then it is good to know that this also entails costs. There are always costs associated with purchasing and selling. Do you trade a lot? Then the costs can quickly add up.

  • Is investing the right choice for you?

    Investing with a high return sounds attractive. But it is wise to first determine whether you actually have the money to invest. First, make sure you have the necessary buffer. You can easily check this via the Nibud buffer calculator . With a buffer you always have enough money on hand.

  • How can I save ten percent of my income?

    Finass Verzekert recommends saving 10 percent of your income, but we understand that it is not easy for everyone and sometimes not feasible. Then see what works, because a buffer can prevent many financial problems.

  • How can I save more easily?

    Saving is not always easy, especially with a low income. Good insight into income and expenditure helps. There are also ways to put money aside without immediately feeling it in your wallet.

  • How high is a good buffer?

    A buffer is a reserve fund to be able to pay unexpected, larger and necessary expenses immediately. For example, appliance repairs. The amount of a sensible buffer varies per household.

  • How can I save for my (grand) child?

    There are parents and grandparents who would like to save for their (grand)children. For example for a study, driving lesson or their 18th birthday. You can open a savings account but also donate an amount.

  • Is it wise to invest?

    Do you want to invest in shares, bonds or cryptocurrency, for example? Make sure you always have a financial buffer and that you do not run into financial problems if the returns are disappointing. Also, don't invest in things you don't understand.

Why would it be better to be insured with us?
  • We are there for the customer.
  • More than 25 years of experience.
  • Personal contact.
  • We compare the best insurers.

About us

Read More ... Saving & Borrowing

✔️ Online mortgage tools ✔️ The best options ✔️ Independent ✔️ Completely without obligation

Calculate home value:

It's a question many homeowners have: What is my house worth? With our Home Value Meter you can calculate the value of your house in just a minute. This is a simple way to get an indication of the value of the home.

Calculate home value

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On this page:

Transfer your mortgage:

Refinancing your mortgage: a step-by-step plan

Mortgage types:

Calculate more :

transferring your mortgage online :

What is my home worth?

It's a question many homeowners have: What is my house worth? With our Home Value Meter you can calculate the value of your house in just a minute. This is a simple way to get an indication of the value of the home.

Do you want to calculate more than just the home value?

First of all, you wanted to know: what is my home worth? Now that you have an indication of the home value, you may want to know more. Below you will find additional information that may be useful for your living situation.

  • Selling your house and buying a new house:

    When your life changes, your housing preferences also change. If you want to sell your house and buy a new one, there is a lot to consider. We are happy to provide you with more information.  
  • Transfer your mortgage:

    Do you want to transfer your mortgage and calculate what it will cost and, above all, yield? With our handy calculation tool we give you an indication of the costs, savings and payback period that applies to your specific situation.  

  • 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!

What is the Home Value Meter?

The Home Value Meter provides an estimate of the current value of a home.

Calculate the value of your house yourself

By completing the Home Value Meter, you can quickly and easily get an indication of the value of the home. 

The Home Value Meter is an estimate, not a valuation.  To change your mortgage or sell your house you need an official appraisal  or  Desktop Valuation®  . See this calculation tool as a quick method to calculate the answer to the question 'What is my house worth' online.

Have your home appraised

To calculate the exact value of the home, you can have the house appraised by a real estate agent. This provides the purest picture, but there are costs associated with a valuation of your house.  

Calculate more :

Have you found your dream home? Then use the following calculations.

Can I afford this house?

Here is a handy calculation tool with which you can quickly calculate: how much can I borrow? This way you will know in an instant whether you can afford the home you have in mind. Good to know before you go house hunting.

Look at

What will my monthly costs be?

Have you found a nice home and are you curious about what your monthly costs will be? With this tool you can not only calculate your maximum mortgage, but also easily calculate monthly mortgage payments.

Look at

transferring your mortgage online :

  • 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.

Read More ... Calculate home value

✔️ Online mortgage tools ✔️ The best options ✔️ Independent ✔️ Completely without obligation

Include home equity:

Do you have no plans to move, but do you want to adapt your home or are you looking for a supplement to your (pension) income? Then you can possibly withdraw the equity in your house.

Withdraw surplus value

On this page:

Cashing in excess value:

Withdrawing excess home equity, how does that work?

How do you know if you have equity?

Step-by-step plan for withdrawing your surplus value:

Assessing home equity: how much equity do you need?

Calculate more:

Frequently asked questions about recording equity in your home:

REDEEM EXCESS VALUE?

Is your home currently worth more than your outstanding mortgage? Good news: then you have surplus value. Now that is not an amount that you can just get your hands on. But fortunately there are all kinds of ways to cash in on your surplus value, so that you still have (part of) your surplus value.

WITHDRAWING EXCESS VALUE OF HOUSE, HOW DOES IT WORK?

If there is equity, you can withdraw the equity in your home by increasing your mortgage, taking out a mortgage, selling your home and renting it back or transferring your mortgage. You can then use your surplus value for renovation, sustainability or other wishes.

Another option is to move to another home. The surplus value is then automatically released.

HOW DO YOU KNOW IF YOU HAVE EXCESS VALUE?

Is there  any equity in your house? You can easily calculate that yourself. In short, it comes down to the following:

  •  how much your home is currently worth based on your  WOZ value
  • Check how much your mortgage debt is at the moment.
  • If you deduct your outstanding mortgage amount from your home value, you will know your exact equity.

If there is indeed excess value, you can have the excess value on your house paid out in several ways. We will tell you more about this below.

Step-by-step plan for withdrawing your surplus value:

  • Calculate:

    1. Calculate whether you  equity in your house  (based on your  WOZ value).
  • Consider:

    1. Think about what you would like to do with your equity. A renovation? Want to make your home more sustainable? Supplement your pension?
  • Discuss:

    1. Discuss your options for withdrawing the surplus value with a mortgage advisor.
  • Determine:

    1. Decide together how you want to cash in on your equity:  increase the mortgage, take out a  mortgage, sell your home and rent it back,  move  or  refinance.
  • Take:

    1. Withdraw the surplus value by setting everything in motion together with the mortgage advisor.
  • Usage:

    1. Use your surplus value for  renovation,  sustainability  or other wishes.

INVESTING EXCESS VALUE IN HOME: HOW MUCH EXCESS VALUE DO YOU NEED?

To determine where you will invest the equity in your home, it is important to know how much equity you can withdraw. For example, buying a second home becomes difficult with a surplus value of € 20,000, while that amount may be more than sufficient for a new kitchen or solar panels.

Do you have a surplus value of €50,000?  Then perhaps a new car  into view or you can realize larger renovation plans.  And is your equity very high, for example € 200,000? Then you can even consider purchasing a second home (provided you can supplement the mortgage with an amount of your own money).

Calculate more :

Have you found your dream home? Then use the following calculations.

Can I afford this house?

Here is a handy calculation tool with which you can quickly calculate: how much can I borrow? This way you will know in an instant whether you can afford the home you have in mind. Good to know before you go house hunting.

Look at

What will my monthly costs be?

Have you found a nice home and are you curious about what your monthly costs will be? With this tool you can not only calculate your maximum mortgage, but also easily calculate monthly mortgage payments.

Look at

Frequently asked questions about recording equity in your home:

  • 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.

Read More ... Include a house of the house