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
    11 Nov 2025
    Name
    Wim en Michelle

    We would like to give mortgage advisor Mr. Kanters a big compliment. He provided us with excellent advice and guided us through all obstacles with a lot of patience and expertise. Thanks to his commitment and involvement, everything was eventually arranged perfectly. Highly recommended!

    Review translated by Microsoft

    Wij willen hypotheekadviseur de heer Kanters graag een groot compliment geven. Hij heeft ons voorzien van uitstekend advies en ons met veel geduld en deskundigheid door alle obstakels heen geloodst. Dankzij zijn inzet en betrokkenheid is alles uiteindelijk perfect geregeld. Een echte aanrader!

    Show original
    Date
    11 Nov 2025
    Name
    Wim en Michelle

    Rating for

    De Hypotheker Hoogeveen
  • 10

    based on

    advieskeuze.nl
    Date
    11 Nov 2025
    Name
    A.S.

    We have had two discussions with Mr Hensen regarding a bridging mortgage. It was quickly clear to Mr. Hensen what our wishes were and he guided us through the application in a calm and pleasant way and provided us with advice, whereby the financial situation for the (near) future was not underexposed. We are also very satisfied with the telephone contacts with the advisor and the administration.

    Review translated by Microsoft

    Wij hebben twee gesprekken gevoerd met de heer Hensen betreffende een overbruggingshypotheek. Het was de heer Hensen snel duidelijk wat onze wensen waren en hij heeft ons op een rustige en prettige manier door de aanvraag heen geloodst en van advies voorzien, waarbij ook de financiële situatie voor de (nabije) toekomst niet onderbelicht is gebleven. Ook over de telefonische contacten met de adviseur en de administratie zijn wij zeer tevreden.

    Show original
    Date
    11 Nov 2025
    Name
    A.S.

    Rating for

    De Hypotheker Houten
  • 10

    based on

    advieskeuze.nl
    Date
    11 Nov 2025
    Name
    C.L.

    Our regular mortgage advisor since 2018. Always knowledgeable, reliable and thinking along. Every time he manages to arrange the right mortgage for us. We are very satisfied!

    Review translated by Microsoft

    Al sinds 2018 onze vaste hypotheekadviseur. Altijd deskundig, betrouwbaar en meedenkend. Iedere keer lukt het hem om voor ons de juiste hypotheek te regelen. Wij zijn erg tevreden!

    Show original
    Date
    11 Nov 2025
    Name
    C.L.

    Rating for

    De Hypotheker Noordwijk

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 almost 30,000 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 35,572 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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