Our rates
- Including mandatory or desired term life insurance(s)
- MyViisi: documents can be securely uploaded online
- Academically educated advisors
- One fixed advisor for the entire mortgage process
- Extended network of real estate agents, appraisers, notaries etc.
- Partnerships for arranging your tax return and provisional refund
- Free preliminary income tax assessment
Have you had a mortgage in the past, but haven’t had it for the last 3 years?
Have you had a mortgage in the past, but no home acquisition debt for the last 3 years now? Then we charge a lower rate for you. The rate is then € 3,445.
Additional mortgage services
| Appraisal report | € 635 - € 850 |
| Bank guarantee | € 335 |
| Bridge loan | € 300 |
| Divorce (buy out an ex-partner), existing Viisi customers | € 3,895 |
| Divorce (buy out an ex-partner) | € 4,095 |
| Disability insurance entrepreneur during mortgage application | € 995 |
| Entrepreneurs’ income is not required to be eligible for financing | € 250 |
| Extra mortgage quote, you have already received a final offer | € 1.195 |
| Extra mortgage quote, you have not received a final offer yet | € 300 |
| Family bank scheme, supplementary to mortgage loan | € 300 |
| Foreign income, add-on | € 500 |
| Income mortgage protection insurance during mortgage application | € 0 |
| Interest rate averaging (mortgage taken out through Viisi) | € 500 |
| Life insurance during mortgage application | € 0 |
| Life insurance not during mortgage application (only for existing customers) | € 295 |
| Increase existing mortgage (for mortgages arranged via Viisi) | € 2,595 |
| Increase existing mortgage (for mortgages not arranged via Viisi) | € 2,995 |
| Mortgage loans > € 1,500,000, add-on | € 500 |
| Negative home equity financing | € 500 |
| Obligation to contribute agreement (draagplichtovereenkomst) | € 300 |
| Offer with Certainty (excl. bank guarantee) | € 775 |
| Refinance mortgage | € 3,595 |
| Starters loan via Dutch Public Housing Stimulation Fund (sVn) | € 250 |
| Structural survey | € 435 |
| Tax continuation of universal life insurance/ savings account | € 500 |
| Unconventional housing (self-built house, CPO (Collective Private Ownership), houseboat, MVE (Publicly Committed Ownership), MGE (Socially Responsible Ownership; maintenance is performed regularly and costs are clear, etc) add-on: |
€ 1,000 |
In certain situations, a custom rate may be applied. The advisor will always let you know which rates apply to you.
Entrepreneurs
Are you registered as a business owner with the Dutch Chamber of Commerce (KvK)? If so, mortgage advice is often a custom process. Assessing your financial position takes more time, and a more extensive underwriting process applies. Our specialized advisors for entrepreneurs are happy to help you with this.
What else should you keep in mind as a business owner?
- Specialized knowledge: Our advisors give your file the attention it needs. In complex situations (such as multiple LLCs), the advisor will always check with you in advance whether a custom rate is required.
- Income statement (and additional costs): Since many lenders don’t have their own dedicated desk for entrepreneurs, your income is often verified by an external party. Keep in mind there may be additional costs for having this income statement prepared (starting at €400).
During your first conversation, your Viisi advisor will walk you through exactly where you stand.
Why do we charge these expat rates?
We are sometimes asked by our expat customers why we charge a slightly higher base rate for expats. We are happy to explain how we structure our rates (since we aim for radical transparency)!
We help many different types of customers, and feel it is fair to differentiate our rates as much as possible according to the effort we put in. For example, we apply lower rates for first-time buyers, compared to homeowners looking to move on to other properties (as this entails more complex financing). Equally, it takes us less time to determine the income of someone in paid employment than a self-employed individual – another example of when we will apply different rates.
We have also noticed that our expat customers often require more extensive input from us than ‘locals’. Naturally, we want to be able to offer that extra focus, and our team of specialized expat advisors are happy to provide it.
The expat rates are applicable if you have indicated that your preferred communication language is English.
As a side note: our fee is tax-deductible!
Compare Viisi Mortgages
| Mortgage advisor | Viisi NV | De Hypotheker | Hypotheekshop | Rabobank | ABN-AMRO | ING |
|---|---|---|---|---|---|---|
| Trustpilot rating | 4.9 (1512) | 2.7 (76) | 3.6 (19) | 1.4 (2241) | 1.4 (2165) | 2.4 (4358) |
| Number of lenders available | ||||||
| Advisor has a university degree | ||||||
| Periodic costs | € 0 | € sometimes | € 0 | € 50 | € 0 | € 0 |
| Life insurance | € 250-500 | |||||
| Mortgage protection insurance | € 250-500 | |||||
| Other insurances | ||||||
| Fee for first house | € 3,295 | € 2,995 | € 3,300 | € 2,100 | € 2,100 | € 2,100 |
Independent number of lenders
How many different mortgage providers are compared? At a bank, only mortgages from its own brand are offered. An independent advisor works with multiple lenders, allowing you to get better terms and/or a lower interest rate. In the Netherlands, there are approximately 40 lenders, so comparing almost always pays off!
Trustpilot
The rating is the average score from customer reviews online. These reviews are verified for authenticity by Trustpilot. The maximum score is 5.0, and the minimum score is 1.0.
Source Trustpilot: 25 July 2026
Periodic costs
Once the mortgage and insurance policies are arranged, do you need to continue paying periodically? A indicates there is no mandatory ongoing payment.
Mortgage protection insurance
A mortgage consultation should also cover the risks of death, disability, unemployment, and retirement. You can then choose whether or not to take out insurance to mitigate these risks. Taking out insurance may lead to higher fees from the bank or advisor. If a is shown, the advisory fee always includes this advice and arranging the insurances as well.
Life insurance
A mortgage consultation should also cover the risks of death, disability, unemployment, and retirement. You can then choose whether or not to take out insurance to mitigate these risks. Taking out insurance may lead to higher fees from the bank or advisor. If a is shown, the advisory fee always includes this advice and arranging the insurances as well.
Property insurance comparison
When moving, you often need other insurance, such as building- and contents insurance. Is advice on this included in the service, and are there multiple insurance products to choose from? If so, a will be shown in the table. Banks do offer insurance but only from one insurer.
University-educated advisor
A is included only if all mortgage advisors at the company have at least an academic degree (in addition to the required WFT diplomas).
Mortgage advisors and sales agents at banks are legally required to obtain diplomas and keep their knowledge up to date on a minimum level (WFT certification). In addition, an advisor can be an Erkend Financieel Adviseur (EFA) or even a Certified Financial Planner (CFP/FFP). Depending on experience and ambition, an advisor will reach a certain level of certifications.
Fee for advice + arranging the mortgage
If a standard fee is known, this amount is included in the table. If the fee varies by location, a range is shown. The fee you pay for mortgage advice and mediation is tax-deductible.
The advantages of Viisi
✓ Academically trained mortgage advisor during your mortgage process
✓ Including life insurance
✓ Including housing costs insurance: cover in the event of incapacity for work and unemployment
✓ Fixed rate for advice & mediation
✓ Including non-life insurance
✓ Pay with iDeal