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
Super nice and well advised by Sake from homeup. As starters very inexperienced in the housing market and everything that comes with it, but Sake helped us well and was always quick to act. No question was too crazy. I would definitely recommend homeup as a buying agent.
As an American living in the Netherlands, I was convinced that owning a house in Amsterdam was a distant dream, especially given the competitive market and my budget. I had all but given up on the idea of buying a home, thinking it was simply unfeasible. Until I met Sake from HomeUp.
From the beginning, Sake was not only knowledgeable and professional, but also incredibly supportive and reassuring. He took the time to understand my concerns and understood what I was looking for in a home. Despite my initial doubts, he encouraged me to trust the process, and I am 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 made what seemed like an impossible task not only achievable, but smooth and stress-free.
If you want to buy a house in the Netherlands, I can highly recommend Sake and HomeUp. He made my dream of owning my own home a reality, and for that I will always be grateful!
Within 2 months we had found our home! In terms of costs and benefits, HomeUp is an excellent choice. We were very clear about which package was most beneficial to us. Should (or when) we decide we need to switch, we will definitely choose HomeUp again.
Thanks!!!
We can highly recommend Sake from Homeup B.V.! His support was fantastic from the beginning. He took the time to understand our wants and needs for a new home and his communication was crystal clear throughout the process. Thanks to his ability to explain everything in an understandable way, we never felt lost or confused, even as expats who don't speak Dutch.
In the end, we won our dream home with a successful bid and we are convinced that this would not have been possible without his expertise. Not only did he secure the house, but he did it efficiently, making the process run smoothly and avoiding unnecessary delays.
The icing on the cake? Sake works with fair and honest prices. We are thrilled with our new home and thank Sake for his incredible service. If you are looking for a real estate agent who is helpful, communicative, competent and gets the best results, look no further! My husband and I will definitely recommend Sake to all of our close friends.
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.