Buy property
How do I get my mortgage done before I start looking?

Bidding on a home for sale with financial security

The housing market is more competitive than ever. After all, how do you beat the move-throughs and competition as a starter? Being creative is key in that. And we can help. With our mortgage certificate, you increase your chances of getting that first home. Offer with 100% certainty by completing your mortgage in advance.

From uncertainty to certainty

Making an offer without a financing condition is increasingly common. But certainly not without risk. Can't get the financing? Then you have to pay 10% of the purchase price. A serious chunk of money.

Would you like to bid as a starter without this risk? Then our mortgage certificate is your safety net to beat the competition. Good to know: this certificate is part of our purchase assistance.

Why the starter certificate is for you

een illustratie van twee schuddende handen
Upfront mortgage in your pocket

Know your bid, win your spot. Once your bid is accepted, the house is practically yours.

een illustratie van een vergrootglas
Greater chance of an accepted bid

You have a stronger position compared to others who bid with reservation of financing.

een illustratie van een persoon met een kroontje op
From doubt to 100% certainty

You can buy with a mortgage that gets you 100%. That's unique compared to insurers and other certificates.

een illustratie van een sleutel
You are no longer at financial risk

You don't have to worry about paying 10% of the purchase price if you bid without the reservation of financing.

How does the certificate for starters work?

Create a search profile

Leave your housing preferences such as location, price range and type of home. Based on your wishes, we will automatically forward you suitable homes.

Telephone introduction

During a no-obligation call, we explore your situation and need five documents from you, including pay stubs, annual statement and a BKR statement to do an initial financial check.

Conversation mortgage advisor

This is a comprehensive interview in which your personal and financial situation is thoroughly reviewed. Based on the documents provided, the advisor calculates how much you can borrow and under what conditions.

Your mortgage around before you look

With the completion of these steps, you will receive a mortgage certificate that is valid for 6 months. This allows you to buy without financial risk and with security upfront.

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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

Sake was incredibly helpful! Without his expertise and dedication, finding a home that perfectly matched our needs and budget would have been much more difficult and time-consuming. We are incredibly grateful for his help and the fact that we could always contact him with our questions. He actively contributed ideas, gave honest advice, and was always available when needed. Truly fantastic!

Samira Vega
5

I had an excellent experience with Sake! From our first meeting to receiving the keys, the entire process took less than a month—an incredibly fast and smooth process. Sake was friendly, helpful, and professional throughout the entire process, making me feel supported every step of the way. I especially appreciated his approach, giving me the freedom to view the house at my own pace and on my own schedule. This made the process comfortable and stress-free. When I was ready, he seamlessly took over the negotiations and closing, ensuring a fair deal. His expertise and efficiency made all the difference. Thank you, Sake, for your excellent service! Highly recommended.

Saddam Hussain
5

Sake provided truly fantastic help with the purchase of our first home. Buying a house can be quite stressful at times, so there's a lot to take in. Sake has a wealth of expertise and is always calm, which is incredibly helpful in those moments. He's easily accessible and responds quickly. He also connected us with several relevant parties, making the entire purchase process smooth. I will definitely use HomeUp again when we buy our next home!

Rixt Kleinjan
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

Frequently asked questions about our starter mortgage certificate

Questions, doubts, vague real estate jargon: when you're about to buy a house, there's quite a lot on your mind. In addition to personal advice at every step of the process, we answer all your pressing (as well as less pressing) questions.

Why is such a mortgage certificate worthwhile?

A large, well-known bank already takes a look at your finances before you go on the market. As soon as we have found your dream home, they immediately give the green light. This way, the stress about securing your mortgage disappears like snow in the sun.

How do I get a mortgage certificate?

You do this by creating a free search profile with us and then scheduling a telephone meeting with us. In that conversation, we will discover together whether the certificate suits your needs and situation.

Do you run a financial risk if you make an offer with a mortgage certificate?

You normally pay a penalty of 10% of the purchase price if you fail to get your mortgage done for whatever reason. This is not the case with the mortgage certificate. Your mortgage has already been approved in advance. The only thing left is an accepted offer.

When is the mortgage certificate for me?

If you want to be one step ahead of the competition when making a bid, this mortgage certificate is just the thing for you. No more worries about mortgage stress. With certainty, you can make an offer without reservation of funding. This significantly increases your chances of success.

How often can I make an offer with your mortgage certificate?

Unlimited!

How long is the mortgage certificate valid?

Our certificate is valid for a maximum of 6 months.

What if something changes in my financial situation?

Of course, your financial situation can change. If that's the case, schedule a new meeting with Nobel Mortgages to find out what this means for the mortgage certificate. This is applicable, for example, if you receive a salary increase, because it means that there will be more borrowing capacity. We can then also increase the amount of the mortgage certificate.

Can't figure it out?

Makelaar

Sake van der Oord

Een foto van Billy Brouwer
Makelaar

Billy Brouwer