How does Offer with Certainty work?
1. First mortgage interview
After your orientation phase, you’ll discuss the possibilities for the mortgage with your Viisi advisor. Provide the necessary documents, and we’ll calculate exactly how much mortgage you could get (maximum amount), and in doing so, we’ll take all aspects of your income and financial obligations into account.
2. Make an offer on your dream home
Has everything been reviewed, and are your submitted documents assessed to be in order? If so, we can guarantee that you can obtain a mortgage up to a specified amount. Up to that purchase price, you can therefore make an offer on a home without it being subject to financing.
3. Valuation and application for Offer with Certainty
To apply for the Offer with Certainty Certificate, the value of the property in question must be assessed in advance. This can be done with a desktop valuation or a statement from an estate agent.
4. After your bid
Based on your maximum mortgage amount and the valuation, we will apply for an Offer with Certainty Certificate for you. The amount payable for the issuing of an Offer with Certainty Certificate is € 850.
In the event of an unsuccessful bid
Has your bid not been successful? If this is the case, you will not have to pay the € 850 sum, and will only incur costs for the desktop valuation (€ 25).
In the event of an accepted offer
Is the bid successful? Then we’ll ensure that, within 42 days of signing the purchase agreement, the bank guarantee is also provided. There are extra costs involved for this service.