Real Estate Special
De Hypotheker
WELL BEGUN IS HALF DONE
Thomas van Splunteren
2020 was a national record-setting year for mortgage transactions.
online calculators tend to fall wide of the mark. In his experience,
And hence a busy one for De Hypotheker’s Thomas van Splunteren.
these models are too limited to get an accurate picture of one’s
With an office in WTC Amsterdam, all of Zuidas comes to him for
personal situation. ‘So, if you’re serious, come straight to us. We go
mortgage advice. Van Splunteren: ‘To buy a home in this period
that extra mile and not only take a look at your mortgage costs but
you have to move fast, because you’ve got loads of company. If you
also your insurance policies, levies and municipal taxes. After that
take care of everything ahead of time, you can get financing within
the fun part begins: finding your dream home!’
two or three weeks; only then will you be seen as a viable buyer. Lesson being: make sure to prepare everything in advance!’
Independent partner Finding the right property starts with getting the right mortgage
Be prepared
advice. De Hypotheker is an independent broker that does
Interest rates remain low, demand continues to exceed supply and
business with all lending institutions. Van Splunteren also has wide
buyers still find themselves fiercely outbidding each other. But
experience in closing mortgages for independent contractors,
for first-time buyers, now is actually an interesting time to buy, as
which comes with its own set of complexities. Van Splunteren:
the transfer tax is fixed at 0% until 1 April. After that, this rate will
‘We work out the maximum you can shoot for and then look at
apply only to houses up to €400k. ‘Getting informed by a mortgage
which lending institution has the best offer, including interest and
broker beforehand is very important’, stresses Van Splunteren. ‘To
conditions. At De Hypotheker, you’re guaranteed the best deal!’ Van
stand a chance among everyone making offers, you have to make
Splunteren also takes care to be transparent and honest towards
sure your file is 80% complete. That allows you to move quickly,
all his clients. ‘If something isn’t doable, we say so.’
making you a serious and interesting candidate for the seller.’ Extra step Even before you start viewing properties, it’s sensible to find out what is and isn’t within your means. Van Splunteren has noticed that
Text: Nicole Pak • Photography: Jaiwey Nuij
De Hypotheker Thomas van Splunteren | Franchisee Strawinskylaan 1427 / WTC Tower Tower B, Level 14 1077 XX Amsterdam +31 (0)20 662 14 11 thomas.vansplunteren@hypotheker.nl www.hypotheker.nl
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