De Hypotheker

De Hypotheker WELL BEGUN IS HALF DONE

Thomas van Splunteren

2020 was a national record-setting year for mortgage transactions. And hence a busy one for De Hypotheker’s Thomas van Splunteren. With an office in WTC Amsterdam, all of Zuidas comes to him for mortgage advice. Van Splunteren: ‘To buy a home in this period you have to move fast, because you’ve got loads of company. If you take care of everything ahead of time, you can get financing within two or three weeks; only then will you be seen as a viable buyer. Lesson being: make sure to prepare everything in advance!’

Be prepared Interest rates remain low, demand continues to exceed supply and buyers still find themselves fiercely outbidding each other. But for first-time buyers, now is actually an interesting time to buy, as the transfer tax is fixed at 0% until 1 April. After that, this rate will apply only to houses up to €400k. ‘Getting informed by a mortgage broker beforehand is very important’, stresses Van Splunteren. ‘To stand a chance among everyone making offers, you have to make sure your file is 80% complete. That allows you to move quickly, 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 online calculators tend to fall wide of the mark. In his experience, these models are too limited to get an accurate picture of one’s personal situation. ‘So, if you’re serious, come straight to us. We go that extra mile and not only take a look at your mortgage costs but also your insurance policies, levies and municipal taxes. After that the fun part begins: finding your dream home!’

Independent partner Finding the right property starts with getting the right mortgage advice. De Hypotheker is an independent broker that does business with all lending institutions. Van Splunteren also has wide experience in closing mortgages for independent contractors, which comes with its own set of complexities. Van Splunteren: ‘We work out the maximum you can shoot for and then look at which lending institution has the best offer, including interest and conditions. At De Hypotheker, you’re guaranteed the best deal!’ Van Splunteren also takes care to be transparent and honest towards all his clients. ‘If something isn’t doable, we say so.’

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