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.

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.

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.
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.
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.
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.
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.
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.
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.
What else does the Hypotheker do for you?
What our customers say about us
Review based on
advieskeuze.nlDate
28 Mar 2025Name
Jelmar
Very nice help from the first contact. Clear explanation, included step by step in the process.
Immediately helped with questions. Honest advice, professional and very clear to understand what is happening.
Had very nice contact, Paul would recommend to anyone if you need a mortgage advisor.
Review translated by Microsoft
Vanaf het eerste contact heel fijn geholpen. Duidelijke uitleg, stap voor stap meegenomen in het proces. Met vragen direct geholpen. Eerlijk advies, professioneel en heel duidelijk te begrijpen wat er allemaal gebeurd. Heel fijn contact gehad, zou Paul aan iedereen aanraden mocht je een hypotheekadviseur nodig hebben.
Review based on
advieskeuze.nlDate
28 Mar 2025Name
K. Willems
A very enthusiastic and knowledgeable mortgage advisor! He knew how to explain complex matter in a clear and understandable way. Moreover, he was always timely in providing relevant information. I approached him several times with questions (maybe even a little too often), but he remained patient and helpful at all times. Thanks to his professional guidance, I was able to take out a suitable mortgage without any worries.
Review translated by Microsoft
Een zeer enthousiaste en deskundige hypotheekadviseur! Hij wist complexe materie op een heldere en begrijpelijke manier uit te leggen. Bovendien was hij altijd tijdig met het verstrekken van relevante informatie. Ik heb hem meerdere keren benaderd met vragen (misschien zelfs iets te vaak), maar hij bleef te allen tijde geduldig en behulpzaam. Dankzij zijn professionele begeleiding heb ik zonder zorgen een passende hypotheek kunnen afsluiten.
Review based on
advieskeuze.nlDate
28 Mar 2025Name
Cesar Augusto
Mark is very attentive, professional, knowledgeable and friendly. Each time he answered my questions and helped me in a very fast and efficient way. I recommend him to all my friends who ask me about my experience and also need an advisor. I really appreciate all the support and wish you all the best!
Review translated by Microsoft
Mark is zeer attent, professioneel, deskundig en vriendelijk. Elke keer heeft hij mijn vragen beantwoord en mij op een zeer snelle en efficiënte manier geholpen. Ik raad hem aan bij al mijn vrienden die mij vragen naar mijn ervaring en ook een adviseur nodig hebben. Ik waardeer alle ondersteuning enorm en wens je het allerbeste!
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.
How can I be sure that advice from De Hypotheker is truly independent?
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?
Can I also get mortgage advice online?
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.