Mortgage advice in The Hague that fits your situation
The Hague is a remarkable city. International, with a competitive housing market and a diverse mix of buyers: first-time buyers taking their first step, people moving up the ladder, and expats putting down roots. Whatever your situation, we will help you find a mortgage that truly fits.
Libero Financieel compares a wide range of lenders and looks for the mortgage that best matches your situation. We always advise in your interest, not the bank's. Prefer to talk it through? We offer advice online via video call or at our office in Enschede.
What we do for you in The Hague
In many parts of The Hague, homes sell quickly. Bids above the asking price are common and some buyers choose to make an offer without a financing condition (voorbehoud van financiering). That calls for an adviser who can move fast and make sure you are well prepared before placing a bid.
Taking out or remortgaging
Whether you are taking out your first mortgage or want to remortgage to a better rate, we guide you through the entire process. From your first orientation to handing over the keys.
Increasing your mortgage
Planning a renovation, making your home more sustainable, or tackling your garden? You may be able to increase your existing mortgage. We look together at what is feasible within your situation and which form suits you best.
Mortgage advice and buying support in one
At Libero Financieel you benefit from a unique combination: mortgage advice and a buying agent (aankoopmakelaar) under one roof. That is a real advantage in The Hague. While we arrange your financing, our buying agent helps you find the right home and place a strong offer.
- Financial Requirements List (Financiële Eisenlijst): we map out exactly how much you can borrow and what a comfortable monthly payment looks like for you.
- Bid insurance (biedverzekering): place an offer without a financing condition, with full financial security.
- Combi-Deal: mortgage advice and buying support combined at a sharp price.
- Sustainable living: we always advise on making your home more energy-efficient and the subsidies available.
Your mortgage in The Hague: how it works
- No-obligation introduction
We get to know you in a short conversation. You ask your questions, we explain the process. - Financial Requirements List
Together we establish how much you can borrow and what a comfortable monthly payment looks like for you, now and in the future. - Tailored mortgage advice
We compare a wide range of lenders and present you with the best options for your situation. - Application via client portal
You upload all documents easily through your personal client portal. Clear and efficient. - Offer and signing
We review the mortgage offer in detail and guide you through the signing at the notary.
Mortgage advice for every situation in The Hague
We regularly guide home buyers in The Hague and are familiar with the dynamics of the local housing market. Whether you want to take out a mortgage in The Hague as a first-time buyer, mover, self-employed professional or expat, we are here to help.
First-time buyer in The Hague
Buying your first home in The Hague? We guide you step by step, from the Financial Requirements List to handing over the keys. Check our fee page for exact costs.
Moving up in The Hague
Looking for more space, a different neighbourhood, or has your situation changed? We look at the equity (overwaarde) in your current home and the options for your next step.
Self-employed in The Hague
Getting a mortgage as a freelancer or business owner (zzp'er) can be more complex, but it is certainly possible. We know exactly which lenders offer favourable conditions for the self-employed.
Expat in The Hague
The Hague is one of the most international cities in the Netherlands. We regularly help expats with a mortgage in The Hague and give advice in English. No translation needed.
Frequently asked questions about mortgage advice in The Hague
Does Libero Financieel provide mortgage advice to expats in The Hague?
Yes, absolutely. As an international city, The Hague is home to many expats looking to buy a property. We guide international buyers through the entire mortgage process and provide advice in English. Find out more on our expat mortgage page.
Can I remortgage through Libero Financieel in The Hague?
Certainly. We assess whether remortgaging is beneficial for you: we calculate any early repayment penalty, compare new rates and weigh up whether the savings outweigh the costs. More information can be found on our remortgaging page.
Can I make an offer without a financing condition in The Hague?
Yes. Through our bid insurance (biedverzekering) you can place an offer without a financing condition, while still having financial security. This makes your bid stronger in The Hague's competitive housing market.
Do I need to travel to Enschede for an advice meeting?
No. The advice meeting takes place online via video call. You can schedule it at a time that suits you, from wherever you are. Prefer to meet in person? Our office is located in Enschede (Nijverheidstraat 5).
What does mortgage advice cost at Libero Financieel?
Our fees are transparent and all-inclusive. For first-time buyers, costs start from € 2,495. For movers from € 2,995. Everything is included: advice, application and guidance right through to the key handover. See the full overview on our fee page.