How we work

Five steps to owning your home in The Netherlands

Tell me more

1
Step 1

Can I get a mortgage at all?

We can successfully secure mortgages in almost every situation. Our success rate is 99.9%. Is your answer YES to at least one of the following questions?

  • Do you have a permanent permit?
  • Are you a knowledge migrant?
  • Do you have substantial savings?
  • Are you a EU citizen?

If you answered yes to at least one of the questions above we are confident we can secure a mortgage for you in The Netherlands. Schedule a free consultation by phone and let us make a personal assessment for you.

2
Step 2

Let’s get personal

After the call you will know everything you need to know to start ‘home-hunting’ or to start preparing for mortgage applications in The Netherlands. Among other things you will know:

  • The amount you can borrow
  • The monthly cost of your mortgage
  • What conditions to include when bidding for a house
  • Contact details of a good notary and real estate broker
  • The answer to any other questions you may have

After the call we’ll send you our terms and conditions so we can move on the next step.

 
 
 
we compare more than 20 lenders for you including:
3
Step 3

Select the best mortgage

During this step we meet in person and get down to the nitty gritty details that are necessary to select the best mortgage. You will also receive our mortgage quotation guide, which explains the key aspects of a mortgage quote and translates official terms and jargon into plain English for you.

We will go through all the options together. We’ll talk about what type of mortgage to get, considerations like how long to fix the interest rate and how to mitigate potential risks i.e. unemployment or disability with insurances.

After our meeting you will receive a detailed financial plan describing your current financial situation all the way to your retirement and a completely independent advice on which lender(s) meet your demands and situation best. All you have to do is pick your lender and we’ll proceed to the next step.

4
Step 4

Get approval from the lender

Now that we know which mortgage is best for you, our goal is to get it approved by the lender. We’ll ask you to upload all required documents to our server. We then review all documents thoroughly and provide all the correct and completed documents to the mortgage lender.

As soon as all documents have been evaluated and approved by your mortgage lender, you will receive the final mortgage quote, ready for you to sign.

5
Step 5

Sign the deed(s)

Upon request by the notary, the mortgage lender transfers the money to the notary’s third party account. The notary provides you with a statement of settlement in which the exact cash flows are stated.

Finally, you sign the deed(s) at the notary’s office and the financing (and sale) is finalised. You are now the proud owner of your home in The Netherlands!

We can successfully secure mortgages in almost every situation. Our success rate is 99.9%. Is your answer YES to at least one of the following questions?

  • Do you have a permanent permit?
  • Are you a knowledge migrant?
  • Do you have substantial savings?
  • Are you a EU citizen?

If you answered yes to at least one of the questions above we are confident we can secure a mortgage for you in The Netherlands. Schedule a free consultation by phone and let us make a personal assessment for you.

After the call you will know everything you need to know to start ‘home-hunting’ or to start preparing for mortgage applications in The Netherlands. Among other things you will know:

  • The amount you can borrow
  • The monthly cost of your mortgage
  • What conditions to include when bidding for a house
  • Contact details of a good notary and real estate broker
  • The answer to any other questions you may have

After the call we’ll send you our terms and conditions so we can move on the next step.

During this step we meet in person and get down to the nitty gritty details that are necessary to select the best mortgage. You will also receive our mortgage quotation guide, which explains the key aspects of a mortgage quote and translates official terms and jargon into plain English for you.

We will go through all the options together. We’ll talk about what type of mortgage to get, considerations like how long to fix the interest rate and how to mitigate potential risks i.e. unemployment or disability with insurances.

After our meeting you will receive a detailed financial plan describing your current financial situation all the way to your retirement and a completely independent advice on which lender(s) meet your demands and situation best. All you have to do is pick your lender and we’ll proceed to the next step.

Now that we know which mortgage is best for you, our goal is to get it approved by the lender. We’ll ask you to upload all required documents to our server. We then review all documents thoroughly and provide all the correct and completed documents to the mortgage lender.

As soon as all documents have been evaluated and approved by your mortgage lender, you will receive the final mortgage quote, ready for you to sign.

Upon request by the notary, the mortgage lender transfers the money to the notary’s third party account. The notary provides you with a statement of settlement in which the exact cash flows are stated.

Finally, you sign the deed(s) at the notary’s office and the financing (and sale) is finalised. You are now the proud owner of your home in The Netherlands!

“Very good service. I like it a lot and I can't image myself buying a house without their help.”
Sergii Iarovyi
Ukraine
“Very helpful and responsive. Gives clear advice and guides every step of the way. Viisi help me to get a full mortgage with my knowledge migrant, non EU residence permit.”
Ferry Aldiansyah
Indonesia
“Viisi are very helpful and straight forward, giving a clear picture about the way things work here in the Netherlands.”
Joel Monk
United Kingdom