Advice & Mediation Costs

Yes, the first consultation is non-binding and completely free of charge. We will also inform you about our fees for advice and mediation.

The fees depend on your situation. We always communicate our fees transparently and will let you know clearly when you need to make a payment. We will discuss our services during the first consultation, and these are also outlined in our service document.

Arranging a mortgage for self-employed individuals is often more complex; analyzing annual figures, for instance, requires additional work.

Buyers trading up can often carry over old mortgage forms. The tax scheme is more complex than for first-time buyers, which results in more work.

Hart Advies can provide the best advice once we have insight into your situation. We can assess how much equity you have, and any taxation consequences of you not using all of the equity for the new home. 

These are all questions with which Hart Advies can assist you.

Often you can, but it is contingent on the value of your old house and your income. There are options like a bridging loan that can help.

This depends on your lender. With a regular mortgage, you will often need permission, or the current mortgage will need to be converted to a buy- to- let mortgage. We can help you understand and arrange this. We know everything about the options, the law, and current tax regulations.

Transitional law is a rule that allows existing mortgage forms and conditions to remain in place when changes occur in the legislation. If your mortgage was taken out before December 31, 2012, you can benefit from the rules that applied at that stage. This means that you can keep your existing mortgage construction, even if regulations have changed. However, if you want to borrow an additional amount beyond the existing mortgage, this extra amount will fall under new mortgage regulations. This can affect the interest rate, deductibility, and other conditions of the additional amount.

After the transfer of your home, you can submit a request the Tax Authorities for a monthly deduction. We can assist you with this.

This can vary, but with good preparation, it will often go faster. It can take a few days to several months, depending on the lender.

The notary pays most invoices on the day of transfer. Some costs, such as valuation fees, may need to be paid in advance. Please get in touch with us beforehand to discuss.

Buyer costs are often higher for existing properties then for new constructions. These are costs such as valuation costs, transfer tax, real estate agent fees, and costs for a technical inspection. 

New construction often involves longer double expenses during construction. Additionally, it's often important to choose an offer with a longer validity period. Hart Advies knows the best conditions in the market and can identify the most suitable financing based on your situation. We will also give you insight into doubled costs during the building period of a newly built home.