Independent mortgage advice that truly fits you
You are about to buy a home, refinance your mortgage or finally take the step you have been considering for a while. A good moment to talk. We are Libero Financieel, a 100% independent mortgage advisory firm that works for you, not for the bank.
What does that mean? We compare the entire market, explain everything in plain language and choose, together with you, the mortgage that truly fits you. Now, but also ten years from now. Because a good mortgage moves with your life.
What does your situation look like?
Your situation determines which mortgage fits you best. Do you recognise yourself in one of these?
You are buying your first home
Exciting. Everything is new: the searching, the bidding, the financing. We explain step by step what to expect and arrange a starter mortgage that fits your budget and future plans. Including guidance on schemes such as the starterslening (a supplementary starter loan offered by some Dutch municipalities) and NHG (Nationale Hypotheek Garantie, the Dutch national mortgage guarantee).
You are moving on to your next home
What about your home equity? Do you need a bridging mortgage (overbruggingshypotheek)? We map everything out and make sure the move runs smoothly, even when buying and selling do not happen at the same time.
You are self-employed or run your own business
A fluctuating income makes applying for a mortgage more challenging, but certainly not impossible. We know the lenders that handle self-employed (zzp) income well and know how to present your application at its strongest.
You live in the Netherlands as an expat
A foreign employment contract or a temporary stay? We guide expats through the entire Dutch mortgage process, in English, so you know exactly where you stand.
Financial peace of mind. That is what we give you.
Nobody wants to lie awake over their mortgage. You want to know that you made the right choice, and that your mortgage stays affordable when you have children, work less or retire. That is exactly what we advise on.
We take the time to get to know you. Not five minutes, but properly. Your dreams, your future plans, your limits. Based on that, we look for the mortgage type that fits now and still makes sense later.
- Advice that takes your future into account
- No one-size-fits-all advice, we know your situation
- Taking out, refinancing or increasing a mortgage: we arrange it
- We stay available after your mortgage is arranged
100% independent
We are not employed by any bank or insurer. That means no hidden interests and no preferred lists. Only the best advice for you.
For all of the Netherlands
Consultations by video call or at our office in Enschede. You choose what suits you best.
Digital client portal
Track the progress of your application yourself in our client portal. Clear and always up to date.
How does mortgage advice at Libero Financieel work?
- Free introduction
We discuss your situation, wishes and future plans. No obligations. Just a good conversation. - Insight into your options
We map out your financial picture and tell you honestly what is and is not possible, and why. - The best mortgage for you
We compare the entire market and choose the mortgage that fits you: on interest rate, conditions and your personal situation. - Application and guidance
We submit the application, stay in touch with the lender and keep you informed. You can follow everything in our client portal. - Keys and financial peace of mind
Your mortgage is arranged. And if your situation changes later on? We are still here.
What our clients say
Financial peace of mind starts with an adviser you trust. Read what other clients experience.
"Fijn contact, duidelijke uitleg en snelle terugkoppeling."
"Fijn contact! Niet alleen met Johannis, maar ook met Renate. Stuurde een mail en had snel antwoord"
"Fijn en persoonlijke gesprekken gehad, goed geholpen."
"Renate is geen hypotheek adviseur, maar backoffice medewerker. In die rol heeft zij steeds snel en adequaat gereageerd op mijn vragen en de verschillende administratieve handelingen voor de ..."
"Reinoud heeft me echt uitstekend geholpen. Met alle rust en vertrouwen wat hij uitstraalt, en met en duidelijke uitleg daar waar nodig, ontzorgt hij je echt in deze toch wel spannende tijd.
"Reinout heeft zich enorm ingezet om de juiste hypotheek te organiseren. Libero Aankoop en Financieel werkten goed samen, waardoor dit veel tijd heeft bespaard.
De communicatie verliep ..."
"Duidelijke uitleg en duidelijke antwoorden op al onze vragen. Er was ruimte voor veel vragen."
"Reinoud heeft ons netjes advies gegeven over onze hypotheek maar Denise (de teamleider) is degene waarmee we het meest contact hadden met het doorlopen van het traject. Ze is altijd vriendelijk, ..."
"Wij zijn zeer blij met de service die Libero Financieel ons gegeven heeft. Het contact met Reinoud Rosmolen is zeer prettig verlopen. Door Reinoud, Mirjam en Denise hun expertise hebben wij een ..."
"Johannis heeft ons vanaf het oriënterend gesprek tot de uiteindelijke koop van de woning ondersteund mbt het financiële gedeelte. Als starters op de woningmarkt was alles nieuw voor ons. Hij ..."
More than mortgage advice alone
Alongside mortgage advice, we also look at the insurances that belong with your mortgage type. And through Libero Aankoop, our purchasing service, we guide you through the entire buying process.
Mortgage advice
Taking out a new mortgage, refinancing or increasing your current one. From first meeting to key handover, we arrange it for you.
Bid insurance
Bidding without a financing contingency? With our bid insurance (biedverzekering) you are covered if the mortgage does not come through after all.
Purchase guidance
Through Libero Aankoop we guide you all the way from house hunting to making a well-founded offer.
Mortgage advice you can trust
Libero Financieel was founded in 2021 and is based in Enschede. We advise clients across the Netherlands, online by video call or at our office at Nijverheidstraat 5 in Enschede.
- Registered with the AFM, the Dutch Authority for the Financial Markets (no. 12048441)
- 100% independent: no ties to banks or insurers
- Fixed, transparent fees with no hidden costs
- Online mortgage advice by video call, across the Netherlands
- Personal advice: we really get to know you
Our fee
No hourly billing. We work with a fixed fee, so you know exactly where you stand in advance.
- First-time buyer: € 2,495
- Home mover: € 2,995
- Returning client: € 2,795
- Business owner: surcharge from € 200
Ready for financial peace of mind?
An introduction is always free and without obligation. Tell us your situation and we will tell you what is possible.