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.
Ons hypotheekcertificaat is geldig in samenwerking met
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
Upfront mortgage in your pocket
Know your bid, win your spot. Once your bid is accepted, the house is practically yours.
Greater chance of an accepted bid
You have a stronger position compared to others who bid with reservation of financing.
From doubt to 100% certainty
You can buy with a mortgage that gets you 100%. That's unique compared to insurers and other certificates.
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.
Purchase of an exclusive home from homeup
If you're waiting for your dream home
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.
More stories from starters who thought it was impossible
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.
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!
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.
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!
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!
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.
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!
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.
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.
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.
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.
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.
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.
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.
Unlimited!
Our certificate is valid for a maximum of 6 months.
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?

Sake van der Oord

Billy Brouwer
Stuur een WhatsApp of bel
via +31 (0)6 25 05 61 17.