Combi-deal: buying agent and mortgage advice in one
Buying a home is not something you do every day. And honestly, it is quite a lot: finding the right property, making a strong offer and arranging a mortgage that truly fits your situation. All at the same time. Luckily, you do not have to do it alone.
With the Combi-deal you combine the strengths of Libero Aankoop and Libero Financieel. You get a buying agent who negotiates the lowest possible price, and a mortgage advisor who makes sure your financing is exactly right. From start to finish. Together we are stronger than apart.
What do you get with the Combi-deal?
The Combi-deal is more than a bundle. It is one streamlined process in which your buying agent and mortgage advisor work closely together. So you always know exactly where you stand.
Libero Aankoop: unlimited purchase guidance
- PRE Funda access: you see properties 24 to 48 hours before they appear on Funda (huizenzoeker).
- Purchase guarantee: we keep going until you have bought a home, no matter how long it takes.
- Sharp negotiations: we work with a performance bonus. If we buy the property below the asking price, you pay 10% of the negotiation result. The remaining 90% is yours.
- 3.4x better odds: sellers demonstrably take offers from a buying agent more seriously.
Libero Financieel: mortgage advice that fits you
- Unlimited calculations: spotted a property you want to view? We calculate straight away whether you can finance it.
- 100% independent advice: we choose the best mortgage for you, not for the lender.
- A mortgage that moves with you: your life changes. Your mortgage adapts. Children, working less, retirement: we factor it all in.
- Bid insurance possible: make an offer without a financing condition and increase your chance of an accepted bid.
Why the combination is smarter
Many people arrange their buying agent and mortgage advisor separately. That works, but you miss something important. When the two do not collaborate, it costs you time, stress and sometimes money. With the Combi-deal they are aligned from day one.
- You start together
You speak with both your buying agent and your mortgage advisor from the very beginning. Everyone immediately knows your budget and what you are looking for. - You find a home sooner
Via PRE Funda you see properties before the crowd does. Your buying agent acts fast, your advisor calculates straight away. - You bid with confidence
No surprises afterwards. You know exactly what you can offer, what your maximum mortgage is and how your financing looks. - You negotiate from a stronger position
Your buying agent goes for the lowest possible price. If they succeed, you keep 90% of the negotiation result. - Your mortgage is arranged
As soon as the offer is accepted, Libero Financieel gets to work immediately. No delays, no extra hassle.
Bid without a financing condition
Combine the Combi-deal with our bid insurance? Then you can make an offer without a financing condition (voorbehoud van financiering). That makes your bid much more attractive to the seller. And if the financing does not come through after all, you are protected. Ask your Libero Financieel advisor about the conditions.
How does the pricing work?
The Combi-deal comes with a personal offer tailored to your situation. Get in touch and we will put together a proposal that fits. What you can count on: you pay afterwards. You only commit to a small file fee of € 350 upfront. The rest you pay once your mortgage has been finalised.
- Fixed, transparent price — no hidden costs.
- Performance bonus for Libero Aankoop: only if we achieve a better result than the asking price.
- 90% of the negotiation benefit is yours to keep.
- Pay afterwards (after signing at the notary).
Frequently asked questions about the Combi-deal
Who is the Combi-deal suitable for?
The Combi-deal is suitable for anyone who wants to buy a home and needs a mortgage to do so. Whether you are a first-time buyer, moving up the property ladder or self-employed: as long as you want professional guidance for both the purchase and the financing, the Combi-deal is a smart choice.
Can I also hire just the buying agent or just the mortgage advisor?
Yes, you can. Libero Aankoop and Libero Financieel are also available separately. But the Combi-deal offers more: because the buying agent and mortgage advisor work together, you save time and increase your chances of a successful purchase.
What is PRE Funda and why is it an advantage?
Through PRE Funda you receive new property listings in your inbox up to 48 hours before they officially appear on Funda (huizenzoeker), the main Dutch property platform. That gives you a major head start over other buyers. You can schedule a viewing faster and place a bid earlier.
Can I bid without a financing condition using the Combi-deal?
That is possible in combination with the bid insurance from Libero Financieel. Your advisor first calculates whether you qualify. If you do, you can make an offer without a financing condition (voorbehoud van financiering), which makes your bid considerably more attractive to the seller.
How do I request the Combi-deal?
Get in touch via our contact form or give us a call. We will put together a personal offer and plan an initial meeting with both the buying agent and the mortgage advisor. That way you start fully prepared from day one.
Ready to get started together?
Finding and financing your dream home is a big step. With the Combi-deal you have two experts on your side who work together for your benefit. No double work, no miscommunication. Just the best deal, at the best price, with a mortgage that fits you.