Offer with Certainty

1. Financial check

After your orientation phase, you’ll review your mortgage options together with your Viisi advisor. Provide the required documents, and we’ll calculate exactly how much you can (maximally) borrow. We include all components of your income and financial obligations in this assessment.

2. Before you place an offer on a home

Before we can issue the ‘Offer with Certainty’ Certificate, the property’s market value is estimated in advance. This is done using Matrixian’s data model. Based on your maximum mortgage amount and the estimated market value, the Offer with Certainty is prepared.

3. After you’ve placed your offer

Is your offer accepted? Great! We’ll invite you for an in-depth mortgage meeting and then start working on your mortgage application. We also ensure the bank guarantee is arranged on time.

Is your offer not accepted? No worries, we’re happy to help you with a new certificate as soon as you’re ready to bid on another home. You only pay for the Offer with Certainty service once you’ve placed a successful offer.

The guarantee of the Offer with Certainty is offered by Viisi in cooperation with the insurers BNP Paribas and Hera Life.

• BNP Paribas is a French bank regulated by the ACPR (Autorité de Contrôle Prudentiel et de Résolution) in France and the AFM (Netherlands Authority for Financial Markets) in the Netherlands.
• Hera Life is a Dutch insurance company and is regulated by the AFM.

BNP Paribas and Hera Life do not offer mortgages as a company in the Netherlands.

Your Viiis-adviser will discuss your situation and your mortgage possibilities with you. The Viisi-team will then check the documents that you have provided and after approval, the Viisi-team will send you the certificate for the Offer with Certainty.

The most important thing is that you provide a true and total overview of your and – if applicable – your partner’s financial situation. You must disclose all matters relevant to the mortgage application and submit them correctly. You can do this via your My Viisi account.

The Offer with Certainty certificate costs € 775, and includes the following:

• the first consultation with a mortgage advisor
• the assessment of your documents by our mortgage underwriters
• the Offer with Certainty Certificate

In the event of a successful bid and therefore the purchase of a home, € 335 is added for the provision of the bank guarantee.

In addition, you must take into account the standard additional costs when buying a home, such as costs for Viisi’s mortgage advice, the appraisal report, the notary, and any other costs associated with the property purchase.

The amount for the Offer with Certainty and for providing the bank guarantee will be paid and settled at the notary on the date of completion.

The Offer with Certainty is unfortunately not yet available to everyone. The main conditions are:

• You’ve got an income from employment, or you are an entrepreneur and you have an income statement from ViiZ or from an NHG calculation expert.
• You will need to provide us with a complete and accurate overview of your income, assets, involvement in companies, debts (credits, lease cars, student debts), emphyteusis associated with the collateral, and any possible alimony obligations. The next step is to substantiate this information by submitting the documentation requested by us.
• The maximum amount for the guarantee is € 75,000.
• Is the property an apartment? Then there is a condition that stipulates that the VvE (the building’s homeowners’ association) is active and financially sound.
• If you apply for the certificate together with a partner, the validity will expire in the event of the termination of your relationship with your partner.
• You need to report changes in income, debts and financial obligations to us as soon as possible, and we will then adapt the certificate to the new situation. The old certificate will then lose its validity.

Please note! These are the main conditions; the list is not exhaustive. Other conditions may apply, which means it might not be possible to request an Offer with Certainty. In the consultation with your advisor, further assessments will be made to ascertain whether an Offer with Certainty can be made available to you. Viisi reserves the right not to issue the certificate if, according to our assessment, the application is not suitable for this purpose.