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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.
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.
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.
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.
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.
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.
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.
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.
transferring your mortgage online :
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.
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
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.
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.
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.
