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.
Our mortgage certificate is valid in cooperation with
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.

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!
Purchase of an exclusive homeup property
For when you're waiting for your dream house
Online purchase guidance so you buy a house faster
Want to not only look around our exclusive offerings, but also keep your eyes open on the public housing market? Then engage us as your buying agent.
We know the market and your struggles as a starter very well. If we start working for you as a buying agent, you will have priority over our exclusive offer of homes and we will also help you search through Funda and other platforms for a home that matches your living wishes.
More stories of first-time buyers who thought it was impossible to buy a home
Really great help from Sake with the purchase of our first house. Buying a house can be very stressful at times. Sake has a lot of expertise and is always calm which is very nice at such moments ;) he is easy to reach and switches very quickly. In addition, he put us in touch with several relevant parties which made the whole purchase go smoothly. I will definitely use homeup again the next time we buy a house!
Great Experience. I had been looking for an apartment for almost 8 months before Nobel Mortgages recommended Sake from homeup to me and the purchase process was resolved pretty quickly after that. I had always thought that hiring a real estate agent was unnecessary and that I could just do it myself, but having a professional handle the negotiations and purchase had a great and very favorable impact on the final price for me.
I had a very good experience with Homeup when selling my apartment in Amsterdam, and then also when buying a new apartment. The sales process went smoothly and I got a decent price for my apartment. Everything was very well organized by Homeup. Sake from homeup was extremely professional and showed a lot of commitment. He was active and proactive in the sales process, so everything went smoothly. I can definitely recommend homeup to anyone who wants a smooth selling experience when selling their apartment.
When we were told that we would have to leave our (sub)rented house within a short period of time and there was nothing affordable to find in the rental sector, panic set in. The fear of ending up on the street with our 7 dogs was real and our intensive search yielded nothing time after time. At one point I responded to a rental property that was offered by HoMeUp and (for the first time ever) within a short time I was called by the real estate agent. He told me honestly that we had a number of dogs, that we were missing out on everything and that I was close to despair.
Billy was a tower of strength, reassuring me every time I lost hope that we would find something in time, even though it would be a challenge (he was honest about that too). We ended up buying rather than renting, exactly in the neighborhood where we wanted to stay. Thanks to Billy Brouwer of HoMeUp and his mortgage advisor Louis Collignon, we now have a lovely home, despite our rather limited budget and our pack of dogs.
A challenge, that's what we were, but one that Billy and Louis took on with enthusiasm and they proved to me that the world is not yet over. I am forever grateful and will recommend you to anyone who is looking as hard as we were.Thank you both so much, especially for your moral support and approachability.I have been able to rely on you both completely, thank you.
I am a foreigner living in the Netherlands, and working with Sake as my real estate agent was an absolute game-changer. Making a big decision, like buying a house abroad, can be difficult, but he made sure the whole process went smoothly.
From the beginning, he took the time to understand my needs and concerns, especially given my unfamiliarity with the Dutch real estate market. He provided clear and comprehensive explanations of each step and was always available to answer my questions, no matter how small.
His expertise and knowledge of the local market were invaluable and definitely helped me secure a fantastic home at a great price!
Sake helped us close on our dream home, where we didn't get a viewing until the day of the bid closing.
Although it was slightly outside his scope of work and not the most interesting offer, he managed to convince the selling broker to recommend us to the seller.
I would recommend him to help other expats in their search for a house in the Netherlands.
As an American living in the Netherlands, I was convinced that owning a house in Amsterdam was a distant dream, especially given the competitive market and my budget. I had all but given up on the idea of buying a home, thinking it was simply unfeasible. Until I met Sake from HomeUp.
From the beginning, Sake was not only knowledgeable and professional, but also incredibly supportive and reassuring. He took the time to understand my concerns and understood what I was looking for in a home. Despite my initial doubts, he encouraged me to trust the process, and I am so grateful that I did.
Thanks to Sake's guidance, I am now a proud homeowner in Amsterdam - something I never thought possible as a millennial, especially in this market. His expertise and dedication made what seemed like an impossible task not only achievable, but smooth and stress-free.
If you want to buy a house in the Netherlands, I can highly recommend Sake and HomeUp. He made my dream of owning my own home a reality, and for that I will always be grateful!
Within 2 months we had found our home! In terms of costs and benefits, HomeUp is an excellent choice. We were very clear about which package was most beneficial to us. Should (or when) we decide we need to switch, we will definitely choose HomeUp again.
Thanks!!!
We can highly recommend Sake from Homeup B.V.! His support was fantastic from the beginning. He took the time to understand our wants and needs for a new home and his communication was crystal clear throughout the process. Thanks to his ability to explain everything in an understandable way, we never felt lost or confused, even as expats who don't speak Dutch.
In the end, we won our dream home with a successful bid and we are convinced that this would not have been possible without his expertise. Not only did he secure the house, but he did it efficiently, making the process run smoothly and avoiding unnecessary delays.
The icing on the cake? Sake works with fair and honest prices. We are thrilled with our new home and thank Sake for his incredible service. If you are looking for a real estate agent who is helpful, communicative, competent and gets the best results, look no further! My husband and I will definitely recommend Sake to all of our close friends.
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Frequently asked questions about mortgage advice
Do you have questions about mortgage advice? Find out the answers to the most frequently asked questions here.
Mortgage advice is a professional service where a mortgage broker helps you find the best mortgage for your situation. This includes analyzing your financial situation, understanding your needs and comparing different mortgage products.
The cost of mortgage advice can vary. Some advisors work with a flat rate, while others charge a percentage of the mortgage amount. It is important to discuss this in advance so you know exactly where you stand.
Mortgage advice is not required by law, but it can be very valuable. A mortgage is a big financial commitment, and professional advice can help you make a wise choice that suits you.
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.
There are different types of mortgages, such as the annuity mortgage, the linear mortgage and the no-repayment mortgage. Each type has its own characteristics and advantages, and the right choice depends on your individual situation and preferences.
A mortgage consultation takes an average of one hour. This gives the advisor enough time to thoroughly understand your situation and give well-considered advice. If more time is needed, this is of course possible. The most important thing is that at the end of the conversation you have a clear picture of your options and that all your questions have been answered.