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
Owning a home in Amsterdam started as a dream and has now become a reality thanks to Sake's excellent guidance and quick turnaround. There's a lot to take in when buying a (first) home, and Sake was incredibly helpful with all the questions I had.
I'm 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 the whole process go 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 explained every step clearly and thoroughly 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 house at a great price!
As an American living in the Netherlands, I was convinced that owning a home in Amsterdam was a distant dream, especially given the competitive market and my budget. I had almost given up on the idea of buying a home, believing it was simply unattainable—until I met Sake from HomeUp.
From the very beginning, Sake was not only knowledgeable and professional, but also incredibly supportive and reassuring. He took the time to understand my concerns and truly grasped what I was looking for in a home. Despite my initial doubts, he encouraged me to trust the process, and I’m 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 turned what seemed like an impossible task into something not only achievable, but also smooth and stress-free.
If you’re looking to buy a home in the Netherlands, I wholeheartedly recommend Sake and HomeUp. He made my dream of owning a home a reality, and for that I will always be grateful.
Just top!
Sake provided excellent guidance in buying our first home. He clearly outlined the entire process and was proactive and engaged from start to finish. Highly recommended!
Thanks to Sake's fantastic help, we were able to buy our dream home in Utrecht! He was always available to answer questions and was very helpful. Highly recommended!
Sake from Homeup was incredibly helpful and provided excellent advice. As first-time buyers, we were quite inexperienced with the housing market and everything that comes with it, but Sake helped us tremendously and was always quick to respond. No question was too much trouble. I definitely recommend Homeup as a buyer's agent.
We received excellent guidance in purchasing our first home, which was great!
Very happy with Billy, he helped us well and was available to answer all our questions!
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.