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.
Our mortgage certificate is valid in cooperation with
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 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
Thanks to Sake's quick turnaround, we were able to buy the house of our dreams after only the second offer. As starters, there were many things we knew little about, but Sake took the time to take us fully through the process. That gave us a familiar and reassuring feeling. Thank you Sake!
Because of Sake's great help we were able to buy our dream house in Utrecht! He was always available for questions and thought along with us. Definitely recommended!
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.
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.
We received fantastic help from Billy. He called us because he saw a house come by that completely met our needs. A few days later we sat down with the mortgage broker and made an offer. It was an instant hit! Billy guided us very nicely through the whole process. I would recommend home up to anyone!
Sake helped us tremendously! Without his expertise and commitment, finding a house that perfectly matched our wishes and budget would have been much more difficult and would have taken much more time. We are very grateful for his help and the fact that we could always come to him with our questions. He actively thought along, gave honest advice and was always ready when needed. Really great!
Great experience!!! I highly recommend it. I worked with Billy on the purchase of my first apartment. He understood all my preferences well and gave a comprehensive list of options, which helped in buying the apartment I loved. Billy guided me well throughout the process and patiently answered all my questions. He also helped me with translations (from Dutch to English) of key parts of the documents and made sure everything went to my liking. Thank you for the exceptional service!
Quick and professional. Sake helped us through the bidding process, advised us on strategy, arranged all the paperwork and made sure everything was a piece of cake, all with a friendly smile and an affordable price.
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 big well-known bank is already taking a look at your finances before you go on the market. As soon as we find your dream home, they immediately give the green light. So the stress of getting your mortgage done disappears like snow in the sun.
You do this by creating a free search profile with us and then scheduling a phone interview with us. In that meeting we will discover together whether the certificate suits your needs and situation.
Normally you pay a penalty of 10% of the purchase price if for some reason you can't get your mortgage done. With the mortgage certificate, this is not the case. Your mortgage is pre-approved. All that's left is an accepted offer.
If you want to be one step ahead of the competition when making an offer, this mortgage certificate is really for you. No more worrying about mortgage stress. With certainty, you can make an offer without the reservation of financing. This significantly increases your chances of success.
Unlimited!
Our certificate is valid for a maximum of 6 months.
Of course, your financial situation could change. Should that be 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 get a salary increase, because that means more borrowing capacity. We can then increase the amount of the mortgage certificate as well.
Can't figure it out?
Sake van der Oord
Billy Brouwer
Send a WhatsApp to or call
at +31 (0)6 25 05 61 17.