Buy property
What can I borrow?

Customized mortgage advice

Buying a house? Exciting! But what can you borrow? Our independent mortgage advisor is ready for you with a free initial consultation. So you know exactly what you can borrow. The costs for a mortgage are between €3000 and €3500, including VAT depending on your situation.

What is mortgage advice and how does it work?

Mortgage advice is more than some numbers. It's about your future. From research to final advice. In this article you will read all about what mortgage advice entails and how it works. So you understand exactly what happens behind the scenes.

een illustratie van twee schuddende handen

een illustratie van een vergrootglas

een illustratie van een persoon met een kroontje op

een illustratie van een sleutel

How does mortgage advice with our partner work?

Analysis of your financial situation

Our mortgage advisor dives into your finances. Income, debts, future plans - everything is looked at.

Researching loan options

Several mortgage lenders are compared to find the best deal for you.

Custom advice

Based on the analysis and research, you get a personal recommendation. No surprises, only certainty.

Offer without reservation of financing

Thanks to our extensive screening process, you can make an offer without the reservation of financing. A unique opportunity to get your dream house!

Why schedule a mortgage interview?

An initial mortgage consultation is completely free. Here you find out exactly what you can borrow and what your monthly expenses will be. The mortgage advisor looks at all the possibilities and thinks further, so you know exactly what is and isn't possible.

Our partner will draw up a mortgage recommendation for you, and you only pay when the mortgage is concluded. Depending on your situation, the costs are between € 3,000 and € 3,500, including VAT. So you get expert advice tailored to your needs, with no surprises afterwards.

Sake helped me buy my dream apartment in De Pijp. I couldn't have done it without him.

Aankoopmakelaar

They helped me find a home quickly! Friendly and professional staff who are easily accessible.

Aankoopmakelaar

In these challenging times for home buyers, everything went smoothly and professionally. We also didn't have to overbid, which was great because we knew exactly what to expect in terms of costs.

Aankoopmakelaar

Billy provided fantastic help. He called us because he saw a house that perfectly met our needs. We hit the jackpot!

Aankoopmakelaar

Purchase of an exclusive home from homeup

If you're waiting for your dream home

€6,499, -
€5,999, -
Exclusive home from homeup
(not available on funda)
Full guidance: from start to key
Fixed sales price: no need to overbid
Priority for starters
Free first mortgage call
Mortgage certificate: complete your mortgage before you start looking
Pay only when you get the key
Register for free
Bij ons heb je gemiddeld 8 concurrenten minder als je een woning bekijkt.

Online guidance so you can buy a home faster

Do you not only want to take a look at our exclusive offers, but also want to keep your eyes peeled on the public housing market? Then hire us as buying agent. 


We know the market and your struggles as a starter very well. If we work for you as a buying agent, you have priority over our exclusive housing offer and we also help you find a home that suits your housing needs via Funda and other platforms.

€3,250, -
€2,999, -
Public market housing
(Also priority over our exclusive offer)
Online guidance
Verification of legal documents
Free first mortgage call
Mortgage certificate: complete your mortgage before you start looking
Pay only when you get the key
Fixed sales price
Join the viewing
Register for free
On average, homeup buyers buy 3 months faster.

More stories from starters who thought it was impossible

5

I had a very positive experience with Homeup when selling my apartment in Amsterdam, and subsequently buying a new one. The sales process went smoothly, and I received a fair price for my apartment. Homeup organized everything perfectly. Sake from Homeup was exceptionally professional and showed great dedication. He was active and proactive throughout the sales process, ensuring everything went smoothly. I highly recommend Homeup to anyone looking for a smooth sales experience when selling their apartment.

Saman Z
5

I had a wonderful experience with Sake, the seller's real estate agent! Communication was quick and easy, and he was always enthusiastic and friendly. He was available for all the tips and questions I had as a first-time buyer. A great first experience in the housing market!

Ruby de Nijs
5

I worked with Sake to buy my first apartment here in Almere. I think it was a very smooth process for me because everything was so well organized. Sake is a fantastic real estate agent and I highly recommend him, especially to first-time buyers.

Sanghamitra Sengupta
5

We were fortunate to meet Sake during our house search. From day one, he was incredibly helpful, answering all our questions (and we had a lot!) and communicating clearly. Their service was excellent, from the house search to signing the contract, he was by our side every step of the way. Once we found our dream home, he took the initiative to negotiate the price, which was crucial in our process. Without him, we probably wouldn't have had the house we loved so much. Their knowledge of the Dutch real estate market is impressive, which was essential for us as expats. He reviewed all the documents and answered all our questions, making us feel very comfortable throughout the entire process. We felt guided and supported throughout the entire process and would highly recommend his services to anyone who wants to realize their dream of buying a home in the Netherlands!

Samantha Ferreira
5

Thanks to Sake for helping us find our apartment. His market knowledge and patience allowed us to navigate the process with confidence. When we finally found the right apartment, Sake negotiated with the owner to get the best possible deal. Communication was always friendly, and the process went smoothly thanks to his approach and responsiveness. Moreover, HomeUp's rates are more than reasonable, considering the amount of work involved. Thank you for your support throughout the entire process, right up to the final signing at the notary last week!

T S
5

We bought our house with Sake's help. It couldn't have gone faster. We met him in the morning, had a viewing in the afternoon, made an offer, and it was accepted the next day. Sake made the process seamless. He helped us every step of the way and took care of everything (he connected us with a mortgage advisor, a building survey, a notary, etc.). Absolutely worth the investment. Highly recommended! Oh, and at the end, he gave us a bottle of champagne and a handy checklist with the next steps after the keys were handed over.

Matthew Timothy
5

Thanks to Sake's quick response, we were able to buy our dream house after just the second offer. As first-time buyers, there were many things we weren't entirely sure about, but Sake took the time to fully guide us through the process. That gave us a sense of trust and reassurance. Thanks, Sake!

Mylene de Widt
5

Great experience. I spent almost eight months looking for an apartment before Nobel Hypotheken recommended Sake from HomeUp, and the purchase process was resolved quite quickly afterward. I'd always thought hiring a real estate agent wasn't necessary and that I could just do it myself, but having a professional handle the negotiations and purchase had a significant and very positive impact on the final price.

Nicholas Hogan
5

When we were told that we had to leave our (sub)rented home within a short period of time and that there was nothing affordable to be found in the rental market, panic really set in. The fear of ending up on the street together with our seven dogs was very real, and our intensive search kept leading nowhere, time and time again.

At some point, I responded to a rental property offered by HoMeUp, and for the first time I was called back by the real estate agent within a short time. I honestly explained that we had several dogs, that we were being turned down everywhere, and that I was close to despair. Billy turned out to be a rock in the surf. Whenever I lost hope, he reassured me with the words that we really would manage to find something in time for us—although he was also honest in saying that it would be a challenge.

In the end, it didn’t become a rental home but a house to buy, exactly in the neighborhood where we so dearly wanted to stay. Thanks to Billy Brouwer from HoMeUp and his mortgage advisor Louis Collignon, we now have a wonderful home, despite our fairly limited budget and our pack of dogs. We were a challenge—that’s for sure—but one that Billy and Louis took on with great enthusiasm. To me, they have proven that miracles do still exist.

The race against the clock caused us enormous stress, but even though we didn’t really fit HoMeUp’s usual target audience, Billy and Louis did everything they could to help us. I will be forever grateful and will recommend you to anyone who is searching just as desperately as we were.

Thank you both so much, especially for your moral support and approachability. I was able to trust you completely. Thank you.

nienke grimminck

Request a free mortgage consultation

Our affiliated partner can quickly provide you with independent mortgage advice. Leave your information to schedule a free appointment or to receive more information.

Frequently asked questions about mortgage advice

Do you have questions about mortgage advice? Find out the answers to the most frequently asked questions here.

What is mortgage advice?

Mortgage advice is a professional service where a mortgage advisor helps you find the best mortgage for your situation. This includes analysing your financial situation, understanding your needs, and comparing different mortgage products.

What does mortgage advice cost?

Mortgage advice costs may vary. Some advisors work with a fixed rate, while others charge a percentage of the mortgage. It is important to discuss this beforehand so that you know exactly where you stand.

Is mortgage advice mandatory?

Mortgage advice is not required by law, but it can be very valuable. A mortgage is a major financial commitment, and professional advice can help you make a wise choice that's right for you.

What happens during the advice?

During a mortgage consultation, the advisor will ask you questions about your financial situation, your future plans and your wishes. Based on this information, the advisor will recommend one or more mortgage options that suit you.

What types of mortgages are there?

There are different types of mortgages, such as the annuity mortgage, the linear mortgage and the interest-only mortgage. Each species has its own characteristics and benefits, and the right choice depends on your individual situation and preferences.

How long does the consultation take?

A mortgage consultation takes an average of one hour. This gives the advisor enough time to thoroughly understand your situation and give informed advice. If more time is needed, that is of course also possible. The most important thing is that by the end of the conversation, you have a clear idea of the possibilities and that all your questions have been answered.

Can't figure it out?

Makelaar

Billy Brouwer

Een foto van Billy Brouwer
Makelaar

Billy Brouwer