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.
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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
Highly recommended. I used their services to assist me in purchasing a home. Their quick response, attention to detail and availability made all the difference in my bid and purchase of my home. My realtor was Sake, a fantastic realtor, super efficient and always willing to discuss any concerns and offer his own opinion.
Homeup offers excellent service during your house hunt. Sake is very professional and experienced and gives the best advice. Billy is also exceptional and is always ready to help. I highly recommend Homeup and their services.
We recently purchased a home through Home UP and it really went flawlessly. Billy's clear explanations and honesty allowed us to know immediately what we needed to consider, what costs would be incurred and allowed us, as first-time buyers, to learn what it is like to buy a home. Billy was always easy to reach and responded directly and clearly which gave us a lot of peace of mind. Thanks to Home UP we were able to make the start we were so looking forward to and because of their concept we as buyers did not have to worry that someone would outbid us far beyond our budget.
Sake was just fantastic. As an expat buying a house in Amsterdam, it was a world we didn't fully understand. Sake helped us every step of the purchase process, making it an easy and relaxing experience. I will definitely use Sake again for his services.
Through Billy from Homeup, my apartment sold very quickly (within 3 weeks). I was approached by him and wanted to give this way of selling a chance. I haven't regretted it for a moment. Billy is very committed, honest, precise, easily accessible and does what he says. In short, a very competent and reliable real estate agent. I really like Homeup's commitment to first-time buyers and it is very nice that viewings are serious because they are already known to Homeup and pre-screened on their finances. This allows a sale/purchase to be completed quickly. And that's how it went! I have found this cooperation to be very positive and recommend Homeup and this way of selling to everyone.
Very nice contact with Sake as the selling party's broker! Approachable and quick communication and always enthusiastic & friendly. He was available for all tips and questions I had as a starter. Fine first experience in the housing market!
Great experience, Sake and Billy were incredibly helpful throughout the entire process, from the first meeting, where Sake explained to us how buying a house in the Netherlands works, to the signature at the end of the notary appointment for the key transfer.
They made a huge difference, especially in the bidding process, where we were able to be competitive and eventually secure our new apartment in Almere!
Thank you so much to Sake, Billy and the whole HomeUp team for the great support! I would recommend them to anyone interested in buying a home/apartment.
Keep up the good work, guys!
Sake was very helpful from the first moment I met him. He charges reasonable rates and helped me find the apartment I wanted in one go. He really knows how to deal with an expat and arranges everything without too much hassle for people who are new to the Dutch real estate market. He also put me in touch with a mortgage broker who offered us a very reasonable interest rate (the lowest you can get in the current market conditions). I highly recommend everyone to consult Sake during their real estate purchase, especially in a competitive market like Amsterdam.
I worked with Sake on the purchase of my first apartment here in Almere. I think it was a tremendously effortless process for me because everything was so well taken care of. Sake is a great real estate agent and can highly recommend him, especially to new buyers.
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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.