Mortgage advice and home purchase guidance — all under one roof | Libero Financieel
Taking out a mortgage can feel like a mountain of paperwork and complicated decisions. We get that. But it doesn't have to be that way. At Libero Financieel, we take the entire process off your hands: from the first conversation to the moment you hold the keys to your new home.
And if you'd also like guidance with finding and buying your home? We work together with Libero Aankoop, our own purchasing agent. Mortgage advice and home purchase guidance under one roof — that saves you a lot of hassle.
Mortgage advice and purchasing agent in one
For most people, the mortgage adviser and the purchasing agent are two separate parties who barely communicate. At Libero, we work as one team. Your adviser and purchasing agent know each other's work, coordinate closely, and make sure everything runs smoothly. From offer to key handover.
Make an offer without financing risk
Want to bid without a financing contingency, but feel unsure about that? With our bid insurance, you're covered if the financing falls through after all. This puts you in a stronger position during negotiations, without unnecessary risks.
From first conversation to key handover
These are the steps we go through together with you.
- Tailored consultation
We start with a conversation to get to know you better: what are your housing wishes, what does your situation look like, and what do you want to achieve? Together we review your income, savings, and any existing debts. This gives us a clear picture of what you can borrow. - Searching and bidding together with Libero Aankoop
Haven't found a home yet? Libero Aankoop supplies property listings that match your wishes and helps you determine a strong offer. Your mortgage adviser already knows your financial situation, so we can act quickly once you've viewed a property. - Personal mortgage advice
Based on your situation, we give you concrete advice: which mortgage type, which fixed-rate period, and which lender suits you best. We also discuss risks such as disability or death, so you are well protected. We compare more than 30 lenders, completely independently. - Submitting documents via the client portal
Via our digital client portal, you can submit the required documents easily and securely. Think of payslips, an employer's statement, and a bank statement. We check everything before submitting the application, so there are no delays. - Submitting the mortgage application
We submit the application to the lender of your choice. We keep you informed at every step and are always available if you have questions. No silence, no guessing when you'll hear back. - Mortgage offer and notary
The lender sends a binding mortgage offer. Once everything is approved, you make an appointment with the notary for the transfer. We make sure everything is ready. After that? Time to enjoy your new home.
What you can expect from us
We believe that good mortgage advice is more than finding the lowest interest rate. It's about a mortgage that fits who you are, now and in twenty years. That's why we look beyond the numbers.
- Mortgage advice and purchasing agent under one roof: your adviser and purchasing agent work together as one team. That saves time, prevents miscommunication, and gives you peace of mind.
- One dedicated adviser throughout: you have a single point of contact from start to finish. No being transferred, no having to repeat your story.
- 100% independent advice: we are not tied to any single bank or lender. We choose what's best for you.
- Online or in our Enschede office: a consultation via video call or at our office at Nijverheidstraat 5. You choose what works for you.
- Fast and transparent: we keep you continuously updated. No surprises, no unclear costs afterwards.
- Advice that moves with you: does your situation change? Then we take another look with you — whether it's more working hours, a new child, or the step towards retirement.
Frequently asked questions about our approach
How long does the entire mortgage process take?
This varies by situation, but on average count on two to four weeks after the consultation. The sooner you submit the required documents, the sooner we can submit the application. We make sure nothing is left waiting on our end.
Can Libero also help me find a purchasing agent?
Yes. Through Libero Aankoop you can also get guidance when searching, viewing, and placing offers on a home. At Libero, the mortgage adviser and purchasing agent work together as one team, which makes the entire process much more straightforward. Check out our Combi-Deal for a combination of both services.
Can the consultation take place online?
Yes, absolutely. We work a lot via video call. Prefer a face-to-face meeting at the office? That's also possible, at our office in Enschede at Nijverheidstraat 5. You decide what works best for you.
What do I need to bring to the first meeting?
An intake will take place beforehand. Based on your situation — employed, self-employed, retired, or another source of income — we'll determine together which documents you need.
How many lenders do you compare?
We compare more than 30 lenders. Because we are fully independent, we always choose the party that best suits your situation — not the one that benefits us the most.
What does mortgage advice at Libero Financieel cost?
Our fee is fixed and transparent. For first-time buyers it is € 2,495. Movers pay € 2,995 and returning clients € 2,795. All costs are included: no hidden fees, no surprises afterwards. View the full breakdown on the rates page.
Ready to take the first step?
A consultation is always without obligation. No commitments, but immediate clarity about your options.