The costs
- Early repayment penalty
- Advice and intermediary services
- Valuation and notary
Remortgaging: we refer you on
Remortgaging comes down to one sum: what it costs against what it produces. The early repayment penalty is the amount that determines the outcome.
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- 9.5 customer rating for a new policy
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
When you remortgage you end your current mortgage and take out a new one, with the same lender or a different one. If you are still within a fixed-rate period, your current lender normally charges an early repayment penalty.
That penalty is compensation for the interest the bank misses out on. The greater the difference in rate and the longer the remaining fixed-rate period, the higher the amount. Your lender is obliged to provide that calculation on request.
Alongside the penalty there are costs: advice, valuation, the civil-law notary and sometimes a new NHG fee. All together those determine the payback period.
Please note: borrowing money costs money. Finass Advies B.V. holds a licence for non-life insurance and does not act as an intermediary for credit or mortgages. This page is informative. For an application we refer you to a provider with a licence for consumer credit or mortgage credit. Every licensed provider consults the BKR (the Dutch credit register) for credit of € 250 or more with a term of longer than one month.
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
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What does remortgaging cover: we refer you on?
The structure of the cover in three parts, with an overview per situation below.
The advantage
A lower monthly payment or a shorter term.
- A lower interest rate
- A different fixed-rate period
- Sometimes NHG becomes possible
What we do
We do not advise on mortgages, but we do insure your home.
- No mortgage advice
- Buildings and contents, yes
- Your lender's requirement, yes
What is covered
| Subject | With us | With the mortgage provider |
|---|---|---|
| Calculating your early repayment penalty | No | Yes |
| Comparing providers | No | Yes |
| The application and intermediary services | No | Yes |
| Buildings insurance (opstalverzekering) on rebuild value | Yes | No |
| Home contents and liability | Yes | No |
| Statutory credit information | No | Yes |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Buildings insurance (opstalverzekering) — at rebuild value
- Home contents insurance (inboedelverzekering) — your belongings
- Liability insurance: damage to others
- Legal expenses insurance (rechtsbijstandverzekering) — disputes around the home
- Private insurance package: everything on one policy
- Advice on the insurance side: with no separate charge
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Ask for the penalty calculation in writing
Your lender has to provide it on request, with a breakdown of how the amount is made up. Without that figure any comparison is guesswork. Also ask what happens if you wait until the end of the fixed-rate period. Sometimes that is the cheapest route.
Work out the payback period
Divide the total costs by the monthly advantage. If the result is longer than the remaining term, it is not worthwhile. If you stay in the home for less time than that payback period, it is not worthwhile either. That is a calculation the mortgage adviser makes for you.
An early repayment penalty is sometimes deductible for tax
With a mortgage for your own home, an early repayment penalty is normally deductible as a financing cost in the year of payment. That lowers the net cost and therefore the payback period. Have it included in the comparison.
Do not forget your insurance
With a new lender the buildings insurance has to be endorsed again, with that lender as an interested party. That is a simple change, but it has to be in place before the transfer.
Frequently asked questions
This is what people ask us most.
What is an early repayment penalty?
Compensation for the interest your lender misses out on when you remortgage within the fixed-rate period. The greater the difference in rate and the longer the remaining period, the higher the amount.
Can I ask for the calculation?
Yes. Your lender is obliged to provide it on request, with a breakdown of how it is made up.
Is an early repayment penalty deductible?
With a mortgage for your own home normally yes, as a financing cost in the year of payment. Have it included in the comparison.
When is refinancing worthwhile?
If the payback period is shorter than the remaining term and shorter than the period you stay in the home. The mortgage adviser makes that calculation.
Does Finass arrange the remortgage?
No. We advise and act as an intermediary only in general insurance, and we refer you on to a specialist firm.
Do I have to change my insurance?
With a new lender yes: it has to be endorsed on the buildings policy as an interested party, before the transfer.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Mortgage with NHG: we refer you onNHG limit, guarantee fee, referral
- Mortgages: we refer you onNo advice, NHG limit 2026, referral
- Interest-only mortgageNo repayment, end of term, tax
- Business finance: we refer you onNo advice, security, referral
- Calculate your maximum mortgageIncome, value of the home, obligations
- Borrowing money: what to look out forBKR, term, total cost
- Refinancing a loan: we refer you onPlease note: borrowing money costs money, APR, Outstanding balance and term
- A mortgage as a self-employed professional (zzp'er)Proving income, annual figures, possibilities
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.