Cost of mortgage advice at De Hypotheker

In over 35 years, we have helped more than 1 million customers get their home. We think it is important that you know what you pay us for our services. That is why we are very transparent and clear about the costs at De Hypotheker. The first appointment at the branch is free and at our expense. If you then decide to arrange your mortgage through De Hypotheker, the following guideline prices and rates apply for our packages. 

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cost mortgage advice de hypotheker

Check the guide prices for our branch near you

The prices mentioned are guide prices and may vary from one branch to another. The costs depend on your personal situation and are always discussed and fixed in advance with your mortgage advisor. Prices are based on one applicant. Our general terms and conditions apply to the packages. See also our Comparison Chart.

Buying your first house
€ 2,995
Buying your next house
€ 3,595
Buying a house as an entrepreneur
€ 3,495
Divorce
€ 3,995
Sustainability
€ 3,195
Renovation
€ 3,195
Utilize surplus value
€ 3,195
Refinance mortgage
€ 3,495

The 6 steps of our consultation process

We believe it is important that our services are clear, transparent and independent. This is why we work with 6 clear steps in our advisory process. From an introduction to after-care. Take a look at the steps we go through together to help you now and later.

1

Intake

During the intake interview, you will gain insight into the steps needed to realise your plans and how we can advise, help and relieve you of worries during the process. We will then inform you about the costs of our services, which follow-up steps we will take and what is needed to arrive at a suitable advice. We will also discuss your wishes and objectives so that we know what you find important.

2

Taking stock

During this step, we map out your personal financial situation. As part of this, we discuss, among other things, your wishes and goals.
In addition, we examine where your priorities lie if certain choices have to be made around the mortgage loan and the associated monthly costs. We also map out what your current housing costs are, what you have arranged now and look at the options for realising your wishes. This will give you an insight into your current financial situation, the feasibility of your wishes and the various options. To give you these insights during your inventory interview, our advisor needs data from you. You can supply these via our online environment 'Mijn Hypotheker'. De Hypotheker works with source data that you, the client, can easily supply via the Ockto app.


This app navigates you through various government sources via DigiD and retrieves the information your advisor needs for your mortgage application. This method ensures that you always submit the correct data to your advisor. If data is needed that cannot be retrieved from the sources
such as a salary slip or divorce agreement, you can use our upload facility in the same online environment.

3

Analysing

After we have formed a good picture of your wishes and situation, now and in the future, we will analyse this data. Based on this data, we will make a first selection of possible forms of mortgage loans and related products that fit your situation. At this stage, the adviser explains the various possibilities and indicates what, in our opinion, are suitable options for you.

4

Advice

Based on the data collected in the previous steps, the advisor will give you concrete advice on what is needed to realise your plans. The advisor records this advice in an advisory report so you can read it at your leisure. The advisory report provides insight into the affordability of the monthly costs now and in the future, the financial risks you are running and cannot take care of yourself and the solutions we recommend for this. We can also guide you in finding related services needed to realise your financing needs and insurance solutions.

5

Brokerage

We request an interest rate offer from the lender and/or a quote from the insurer that suits your needs and objectives. If no suitable product or solution can be offered, we investigate what alternatives are available.


If you agree to the binding mortgage offer and have signed, we will monitor the progress of your dossier and do our utmost to relieve you of any worries, for example with the notary, the lender and/or insurance company. At the end of the advice and mediation process, we check the draft notarial deed and settlement and the newly concluded life and non-life insurance policies.

6

Aftercare

We will inform you of important relevant changes. You will receive an annual questionnaire from us allowing you to communicate your most important financial and personal changes. You can contact us with questions about your current mortgage or related products. Depending on the (advisory) activities, this may involve costs.

Checklist

What else does the Hypotheker do for you?

De Hypotheker can help you with everything around your mortgage. See below what we offer from advice to guidance.
Guidance bank guarantee
Bank guarantee is a contract in which the bank unconditionally guarantees that the seller will be paid the deposit.
Notary guidance
Notary fees can vary widely. We will help you find a good notary at a competitive price.
Guidance on valuation
We make sure you do not have to worry about the valuation of your property.
Guidance on architectural inspection
A structural inspection gives you more certainty about the building condition of the property.
Mediating term death insurance
Term life insurance pays out a sum of money in the event of death that your dependants can use to pay off (part of) the mortgage.
Mediating home expense insurance
Insurance against income loss in case of disability and unemployment (per policy).
Advice on residual debt financing
When the income from the property is less than the mortgage debt.
Advice on tax continuation
For Home Equity Insurance (KEW) & Home Savings Account (SEW)
Advice on bridge loan
When the surplus value of the sold property has not yet been released when the new mortgage is taken out.
Guidance on non-life insurance
We look for the home and property insurance with the best cover for the best price.

What our customers say about us

  • 10

    based on

    advieskeuze.nl
    Date
    18 Jan 2026
    Name
    Kimberley

    As a starter on the housing market for the purchase of my starter apartment, I was very well helped by Mike van dijk. Every question is explained calmly and clearly, and always in a pleasant and friendly way. Mike thank you so much for your guidance!

    Review translated by Microsoft

    Ik ben als starter op de woningmarkt voor koop van mijn starters appartement zeer goed geholpen door Mike van dijk. Iedere vraag wordt rustig en duidelijk uitgelegd, en altijd op een prettige en vriendelijk manier. Mike ontzettend bedankt voor je begeleiding!

    Show original
    Date
    18 Jan 2026
    Name
    Kimberley

    Rating for

    De Hypotheker Bergen op Zoom
  • 10

    based on

    advieskeuze.nl
    Date
    18 Jan 2026
    Name
    anoniem

    Been to Leon for a new mortgage, he gives good advice and thinks along in possibilities. Really great !!

    Review translated by Microsoft

    Voor een nieuwe hypotheek bij Leon geweest, hij geeft goed advies en denkt mee in mogelijkheden. Echt super !!

    Show original
    Date
    18 Jan 2026
    Name
    anoniem

    Rating for

    De Hypotheker Best
  • 10

    based on

    advieskeuze.nl
    Date
    17 Jan 2026
    Name
    Gina

    My case was unconventional and I had already been rejected by many mortgage lenders. Then I found Ruud and Ruud has a lot of experience and has helped me fantastically. Because he knows all the rules so well, he managed to apply for a mortgage for me in my non-standard situation. That mortgage has now been approved. Ruud has been a very important factor for me in that I have now been able to buy a house. Nice man to deal with. I felt stupid 0x and he didn't find a single question weird. Always took his time. I would recommend him to anyone.

    Review translated by Microsoft

    Mijn casus was onconventioneel en ik was al bij veel hypotheek-verstrekkers afgewezen. Toen heb ik Ruud gevonden en Ruud heeft superveel ervaring en heeft me fantastisch geholpen. Doordat hij alle regeltjes zo goed kent is het hem gelukt om ook voor mij in mijn niet-standaard situatie, een hypotheek aan te vragen. Die hypotheek is inmiddels goedgekeurd. Ruud is een hele belangrijke factor geweest voor mij in dat ik nu een huis heb kunnen kopen. Fijne man in de omgang. Ik heb me 0x dom gevoeld en geen één vraag vond hij raar. Nam telkens de tijd. Ik zou hem iedereen aanbevelen.

    Show original
    Date
    17 Jan 2026
    Name
    Gina

    Rating for

    De Hypotheker Breda

Frequently asked questions

Buying or selling a home or adjusting your mortgage involves questions. Perhaps also about our services. Here you will find answers to the questions our customers ask most often. Is your question not among them? Feel free to contact your mortgage advisor.

Make an appointment

How can I be sure that advice from De Hypotheker is truly independent?

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With independent advice, you get advice from a mortgage advisor where your interests are guaranteed to come first. The four largest independent mortgage advice chains have therefore developed the Advice Guide. That guide consists of three conditions independent mortgage advice must meet: unbound, comparative and personal advice. De Hypotheker meets those three pillars.

How is De Hypotheker's service rated on average?

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On advieskeuze.nl, all the reviews customers have given us are collected for you. Based on over 35,000 reviews, our customers rate us with an average of 9.7.

Can I also get mortgage advice online?

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Getting online mortgage advice is also possible at De Hypotheker. Advice sessions can take place via online video calls. If you need this, please indicate this to your advisor.

Make an appointment

The appointment can be by phone, via an online consultation or at the branch.

reviews

9.7

based on 36,143 reviews

  • The first meeting is always free of charge

  • Truly independent advice: we compare more than 40 providers

  • Insight into your financial options and monthly costs

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