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
    24 Dec 2025
    Name
    G.j

    Very pleasant cooperation with Robert, especially as a starter there are many things that you come into consideration for the first time. The quick response to email and telephone ensures that the process of a mortgage runs quickly and smoothly.

    Review translated by Microsoft

    Erg prettige samenwerking met Robert, vooral als starter zijn er veel zaken waar je voor het eerst in aanmerking mee komt. De snelle reactie op mail en telefoon zorgt er voor dat het proces van een hypotheek snel en soepel verloopt.

    Show original
    Date
    24 Dec 2025
    Name
    G.j

    Rating for

    De Hypotheker Ede
  • 10

    based on

    advieskeuze.nl
    Date
    24 Dec 2025
    Name
    Joey

    The contact with De Hypotheker started with a no-obligation exploratory meeting with Tom. He gave me a lot of insight into what the possibilities were. In the months that followed, Tom helped me very well in my search for a home. I could always call on Tom's expertise and experience where necessary. This helped me a lot. He is very involved and if he has any questions, he immediately comes up to explain things. So with Tom you really get a personal experience! When the mortgage has to be arranged, he also ensures that you are completely unburdened and when there are actions for you, he will let you know immediately, so that there is no delay. He and his colleagues also take care of it. You will be helped until it ends up at the notary, and they will also arrange that contact for you. Really a great experience that I can recommend to everyone!

    Review translated by Microsoft

    Het contact met De Hypotheker begon met een vrijblijvend oriënterend gesprek bij Tom. Hij heeft me veel inzicht gegeven in wat de mogelijkheden waren. In de maanden erop heeft Tom me erg goed geholpen in mijn zoektocht naar een woning. Ik kon waar nodig altijd een beroep doen op de expertise en ervaring van Tom. Dit heeft me goed geholpen. Hij is erg betrokken en bij vragen komt hij gelijk in de lucht om een en ander toe te lichten. Bij Tom krijg je dus echt een persoonlijke ervaring! Op het moment dat de hypotheek geregeld moet worden zorgt hij er ook voor dat je volledig ontzorgt wordt en wanneer er acties voor jou zijn laat hij dat direct weten, zodat er geen vertraging ontstaat. Verder regelen hij en z'n collega's het. Je wordt geholpen totdat het bij de notaris terecht komt, en ook dat contact regelen zij zelf voor je. Echt een top ervaring die ik iedereen kan aanbevelen!

    Show original
    Date
    24 Dec 2025
    Name
    Joey

    Rating for

    De Hypotheker Berkel en Rodenrijs
  • 8

    based on

    advieskeuze.nl
    Date
    24 Dec 2025
    Name
    L. G.

    Always nice help. They will contact you immediately if something is known. In addition, you will be well informed about everything.

    Review translated by Microsoft

    Altijd fijn geholpen. Ze nemen direct contact met je op als er iets bekend is. Daarnaast word je goed geïnformeerd over alles.

    Show original
    Date
    24 Dec 2025
    Name
    L. G.

    Rating for

    De Hypotheker Almelo

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 35,977 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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