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 Apr 2025Name
Sietze
I have always had very nice contact with Arno, everything was explained very clearly and everything is easy to follow. In the beginning I knew very little about everything about applying for a mortgage, but I certainly take the time and space to learn it. Furthermore, contacting us was always very easy, both calling and emailing, always a quick response.
Review translated by Microsoft
Ik heb altijd erg fijn contact gehad met Arno, alles werd erg duidelijk uitgelegd en alles is prima te volgen. In het begin wist ik zelf erg weinig over alles omtrent hypotheek aanvragen, maar daar wordt zeker de tijd en ruimte voor genomen om het te leren. Verder was het contact zoeken altijd erg makkelijk zowel bellen als mailen, altijd snel een reactie.
Review based on
advieskeuze.nlDate
28 Apr 2025Name
Amarens
Twan was our advisor during our conversations regarding a planned renovation. He has good communication and listening skills. He makes you actively think about certain choices and consequences. And he also asks very good questions. He has a genuine interest and is solution-oriented.
We are very happy and grateful for that, because it has allowed us to really adjust our plans to our wishes. During the process, we received a lot of useful advice and mindsets. Also, everyone was helpful and service-oriented. We are grateful to the entire Hypotheker Heerenveen team.
Review translated by Microsoft
Twan was onze adviseur tijdens onze gesprekken i.v.m. een geplande verbouwing. Hij heeft goede communicatie- en luistervaardigheden. Hij laat je actief nadenken over bepaalde keuzes en consequenties. En hij vraagt ook heel goed door. Hij heeft oprechte interesse en is oplossingsgericht. We zijn daar enorm blij mee en dankbaar voor, want daardoor hebben we onze plannen echt aangepast naar onze wensen. Gedurende het proces hebben wij veel bruikbare adviezen en denkrichtingen meegekregen. Ook was iedereen behulpzaam en servicegericht. We zijn het hele team Hypotheker Heerenveen dankbaar.
Review based on
advieskeuze.nlDate
28 Apr 2025Name
Kirya
Only praise for Berend. He thinks along, and gives trusted and honest advice in a complicated world of numbers. Contact is always fast and smooth, so we always know where we stand. Now perfectly helped for the second time, if we need advice again we will definitely turn to Berend again.
Review translated by Microsoft
Alleen maar lof voor Berend. Hij denkt mee, en geeft vertrouwd en eerlijk advies in een ingewikkelde wereld van cijfertjes. Contact verloopt altijd snel en soepel waardoor we steeds weten waar we staan. Nu voor de tweede keer perfect geholpen, als we weer advies nodig hebben wenden we ons zeker weer tot Berend.
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.