What we do not do
- No interest rates or cost percentages
- No loan amounts
- No advice on the form of finance
Information about property finance
This page explains how to judge information about property finance for yourself. We do not offer that finance. We insure the property bought with it.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- 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
Finass Verzekert (AFM 12016589) advises and acts as an intermediary in non-life insurance. Financing property falls under a different licence category. This page therefore contains information and not an offer: no rates, no loan amounts and no advice on a form of finance.
Please note: borrowing money costs money. The heart of every comparison is the annual percentage rate (APR): it expresses interest and compulsory costs in one figure and thereby makes offers comparable. The monthly payment does not, because a longer term reduces the payment and in fact increases the total. With consumer and mortgage credit, every licence holder consults the BKR (the Dutch credit register) from 250 euros and a term of more than a month.
What you do get from us is the insurance side: which policy the lender requires, on what value and with what entry. See financing property for an overview.
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.
FinancialPhoto coming soon
OverviewPhoto coming soon
AdvicePhoto coming soon
Who supplies what information?
The division of roles in three cards, with beneath them who supplies each subject.
What to look out for
What you can check yourself before you go further.
- A licence in the AFM register
- The adviser's services guide
- Costs over the full term
What we do provide
Explanation and delivery on the insurance side.
- Which policy is required
- Rebuild value and valuation
- Liability and glass
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Statutory credit information and APR | No | Yes |
| Calculation of your borrowing capacity | No | Yes |
| Advice on the fixed-rate period and repayment method | No | Yes |
| Explanation of the buildings policy required | Yes | No |
| Establishing the rebuild value | Yes | Provided that |
| Liability as the owner of the building | Yes | No |
What is actually covered is set out in the insurer's policy conditions and insurance card (verzekeringskaart).
What to look out for when comparing
- AFM licence: is the party in the public register
- APR: the only figure that makes quotations comparable
- Total cost of credit: the amount over the full term
- Penalty-free repayment: how much you may repay without a charge
- BKR check: standard practice with consumer and mortgage credit
- Insurance requirements: which policy and which value are required
This overview is general in nature and is not personal advice.
How it works
- You check the providerIn the AFM's public register, under the statutory name.
- You ask for the APR and total costsWithout those two figures you cannot compare anything.
- You read the insurance clauseIt sets out which policy and which value are required.
- We arrange the insuranceBuildings cover, with the right value and entry.
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.
How to judge information yourself
Four checks you can carry out before doing business with a party.
Check the licence, not the website
Every party advising on or acting as intermediary in credit must appear in the AFM's public register. A quality mark, a logo or a low interest rate on the homepage says nothing about that. Search on the statutory name, not just the trade name.
Compare on APR and total costs
Two quotations with the same monthly payment can differ by hundreds of euros in total. So always ask for the annual percentage rate and the total amount over the term, including arrangement and valuation fees. Without those two figures you are comparing apples with pears.
Be wary of an offer without a BKR check
With consumer and mortgage credit, consulting the BKR from 250 euros and a term of more than a month is standard practice among licence holders. A party advertising loans without a check generally operates outside supervision and offers you no protection whatsoever.
Read the insurance clause in the quotation
At the foot of virtually every finance quotation it states which insurance is required: buildings cover on rebuild value, with the financier as interested party. Arrange that before the deed is executed. If you do it afterwards, completion is delayed.
Frequently asked questions
This is what people ask us most.
Why are there no interest rates or loan amounts here?
Because we hold no licence for credit and may therefore not present a credit offer. Rates, maximum amounts and the information prescribed by law come from the provider itself. Please note! Borrowing money costs money: compare offers on the annual percentage rate of charge.
Where can I find reliable information about property finance?
From licensed providers and advisers, and from the AFM's public register. Always ask for a services guide setting out how the party is paid and with how many lenders it works. That says more about independence than the text on the website.
What exactly does APR mean?
The annual percentage rate of charge expresses interest and compulsory additional costs as a percentage per year. That allows you to set offers with different terms and cost structures side by side. A lower monthly payment is no proof of a cheaper loan. Often it just means a longer term.
Which insurance goes with a financed property?
Generally buildings insurance on rebuild value with the financier as interested party. Where the property is let, the form of letting must appear on that policy, otherwise Article 7:928 of the Dutch Civil Code comes into play and the insurer can reduce payment under Article 7:930 DCC. Glass, loss of rent and liability are separate covers.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Property finance and your insuranceNo finance advice, insuring the security, referral
- Financing property to letNo finance advice, let property, referral
- Financing let propertyNo financing advice, existing tenancies, referral
- How much can I borrow?Please note: borrowing money costs money, APR, BKR check
- Property portfolio: financing and insuranceNo finance advice, portfolio, referral
Read more
Questions about the insurance side?
We do not advise on the finance. On the policy that goes with it we do.
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.