Get a mortgage online in the Netherlands, with personal advice | Libero Financieel
Getting a mortgage in the Netherlands does not have to mean taking time off for an office appointment. At Libero Financieel, you arrange everything online, at a time that works for you. From your home, your favourite chair or even your lunch break. Personal advice, completely digital.
Our advice is always tailored to you. We get to know you before recommending a mortgage. Because a mortgage that truly fits your life does not start with a calculation, it starts with a conversation.
Mortgage advice via video call: how it works
An advice session at Libero Financieel is different from what you might expect. We meet via video call using your laptop or phone. You see your adviser, share documents and ask all your questions. Just like an in-person meeting, but without the journey.
- Secure and organised: documents are uploaded through our secure client portal. Everything in one place.
- No paperwork: you sign digitally. Fast, legally valid and printer-free.
- Always reachable: questions in between? We are available by email, phone and chat.
Getting a mortgage online in 5 steps
- Free intro call
We start with a short conversation. No obligations, no surprises. You tell us about your situation and we explain exactly what we can do for you. - Personal advice session via video
Together we look at your financial picture, income, wishes, plans for the future. Based on that, we find the mortgage that suits you best. - Upload documents via the client portal
Everything we need, employer's statement (werkgeversverklaring), pay slips, ID — you upload securely through our digital portal. Simple and clear. - Mortgage offer request
We approach the best lender for your situation and request the offer on your behalf. You do not have to arrange a thing. - Sign digitally and you're done
You sign the mortgage deed digitally. The notary takes care of the rest. You can start thinking about moving.
Apply online, but never without advice
There are platforms where you can arrange a mortgage yourself, without an adviser. That sounds appealing. But a mortgage is the biggest financial decision of your life. A small miscalculation or the wrong mortgage type can cost you money for years to come.
At Libero Financieel, you get the best of both worlds. You apply online, from home, at your own pace. But you are never on your own. An independent adviser works alongside you, compares dozens of lenders and chooses what is truly right for you — not what is convenient for the bank.
Applying online yourself
- No personal advice
- You compare all lenders yourself
- Risk of choosing the wrong mortgage type
- No help with complex situations
- No guidance after signing
Online via Libero Financieel
- 100% independent advice
- We compare lenders for you
- Mortgage that fits your life
- Also for freelancers, first-time buyers and expats
- Dedicated adviser from start to finish
Who is online mortgage advice suitable for?
Online advice works for almost everyone. Whether you are buying your first home, moving up to a larger property or looking to remortgage. We also have extensive experience with more complex situations.
- First-time buyers: we walk you through every step and guide you from start to finish.
- Existing homeowners: you already own a home and are buying a new one. We arrange the bridging loan (overbruggingshypotheek) and the new mortgage at the same time.
- Freelancers and self-employed professionals: a more complex application, but we know the way.
- Expats: if you live and work in the Netherlands and want to buy here, we guide you step by step — in English.
- Remortgaging: lower rate or better terms? We calculate what it saves you.
What does online mortgage advice cost?
Our fee is transparent and fixed. You pay a one-off advice and arrangement fee. No hourly billing, no hidden costs. What you see is what you pay.
First-time buyer € 2,495
For those buying their first home.
Existing homeowner € 2,995
For those who already own a property and are moving on.
Returning client € 2,795
You are already a Libero Financieel client.
Freelancer / self-employed surcharge from € 200
For more complex income calculations.
Frequently asked questions about getting a mortgage online in the Netherlands
Can I really arrange everything online, or do I still need to visit an office?
Everything we do together is handled online. The advice session via video call, document uploads through our client portal and digital signing. You do not need to come to Enschede. Would you prefer an in-person meeting? That is also an option — our office is open to you.
Is online mortgage advice just as reliable as an in-person appointment?
Yes, completely. Libero Financieel is registered with the AFM, the Dutch financial regulator (registration number 12048441), and meets all legal requirements for mortgage advice. The quality of the advice is the same whether we meet in person or via video.
How long does it take to arrange a mortgage in the Netherlands?
It depends on your situation. A standard application typically takes 4 to 8 weeks, from the first conversation to signing at the notary. We monitor the progress and keep you updated so there are no surprises along the way.
What documents do I need?
The most commonly required documents are recent pay slips, an employer's statement (werkgeversverklaring), a valid ID and your annual income statement. Freelancers also provide their annual accounts. You upload everything securely through our digital client portal. We will tell you exactly what we need.
Can I get a mortgage online as a freelancer or expat?
Yes. We have extensive experience with mortgages for freelancers and expats looking to buy in the Netherlands. A good adviser is especially valuable in more complex situations. We are also happy to advise in English.
What is the difference between applying via Libero and using a comparison website?
A comparison website shows you an overview of interest rates, but you apply yourself — without advice. At Libero Financieel, you get an independent adviser who knows your situation, compares the market and guides your application from start to finish. From the first conversation to the handover of the keys.
Ready to get started?
Book a free, no-obligation intro call. No commitments. Just a good conversation about your plans — online, whenever it suits you.