Transparent mortgage advice fees | Libero Financieel

Wondering what mortgage advice costs and what fees to expect when buying a home in the Netherlands? At Libero Financieel we believe in clarity. That is why we work with fixed fees, so you know exactly what to expect from the start — no surprises.

Your first consultation is always free and without obligation. During this meeting we discuss your situation, wishes and options. You will immediately get a clear picture of what is financially achievable and what the next steps could be.

Book a free appointment

First-time buyer

€ 2,495
Mover
€ 2,995
Self-employed
Surcharge from € 200
Returning client
€ 2,795

What do you get with mortgage advice from Libero Financieel?

Taking out a mortgage is about more than comparing interest rates. Good mortgage advice looks at your complete situation, both now and in the future.

  Our services include:

  • Personal mortgage advice
  • Comparison of lenders and mortgage types
  • Calculating your maximum mortgage and monthly costs
  • Guidance throughout the entire process
  • Document review
  • Submitting and managing your mortgage application
  • Support through to the final mortgage offer

  We advise, among others:

Why choose Libero Financieel?

Buying a home often comes with many questions and decisions. We believe it is important that you understand what you are signing up for and what the long-term consequences of your choices may be.

Libero Financieel is an independent mortgage advisory firm. That means we are not tied to any single lender or mortgage type. We compare the market for you and choose what best suits your situation, now and in the future.

Our consultations can take place online via video call or at our office in Enschede. You choose what works best for you. Through our digital client portal you always have a clear overview of your application and can easily upload documents.

  Your benefits with Libero:

  • A free first consultation
  • Personal and independent advice
  • One dedicated point of contact
  • Guidance from start to finish
  • Clear fees with no surprises
  • Fast communication

  Independent advice

We are not tied to any bank or lender. We compare the market and choose the mortgage that suits you best, not the one that benefits us most.

  Fixed fees

No hidden costs, no small print. You know exactly what you will pay upfront. The first consultation is always free and without obligation.

  Personal point of contact

One adviser guides you from the first conversation to the key handover. You never have to repeat your story and always know who to turn to.

  Digital client portal

Through our client portal you upload documents easily and always see how your application is progressing. Clear, fast and fully transparent.

Transparent fees

Whether you are a first-time buyer, moving up to your next home, self-employed or looking to refinance, we work with clear and fixed fees. You know exactly what to expect from the start and will never face unexpected costs. No hidden charges, no small print — just full transparency from the very first conversation.

View a full overview of our other services and their fees here.

Frequently asked questions about mortgage advice

Is the first mortgage consultation free?

Yes. The first consultation is completely free and without obligation.

Can I include the advice fees in my mortgage?

In most cases advice fees cannot be fully included in the mortgage. During our consultation we will look at the options available to you.

Are mortgage advice fees tax-deductible?

In many cases mortgage advice fees are tax-deductible when they relate to taking out a mortgage for your own home. We recommend checking with a tax adviser for your specific situation.

Do I need mortgage advice as a first-time buyer?

Especially as a first-time buyer, good advice can make a real difference. You get clarity on your maximum mortgage, monthly costs, own funds and additional expenses such as buyer's costs (kosten koper).

Will I be guided throughout the entire process?

Yes. We guide you from the first calculation right through to the final mortgage offer and the notary.

Combi-Deal

Combine Libero Financieel with Libero Aankoop and get a unique, personalised offer. A true win-win. Unlimited purchasing guidance when buying your dream home, combined with the best financial advice. Go for the perfect match: a home you love with financial peace of mind.

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