Our rates
- Including mandatory or desired term life insurance(s)
- MyViisi: documents can be simply and securely uploaded online
- Academically educated advisors
- One fixed advisor for the entire mortgage process
Entrepreneurs pay an additional fee
If you are registered as an entrepreneur at the Chamber of Commerce (KvK), then your mortgage application requires extra attention. More information will be required in order to assess your financial position. In many cases, a more extensive approval process will be applied by the mortgage lender. Naturally, we want to serve entrepreneurs as best as possible. For this reason, we charge the following additional fees:
| Sole proprietorship / Entrepreneur IB income is required to be eligible for financing | € 495 |
| Limited Liability / Entrepreneur DGA / BV income is required to be eligible for financing | € 995 |
| Second Sole proprietorship / Entrepreneur IB | € 295 |
| Second Limited Liability / Entrepreneur DGA / BV | € 495 |
| More than two enterprises | € 115 per extra enterprise |
| Entrepreneurs’ income is not required to be eligible for financing | € 250 |
In addition, many lenders charge extra costs (€ 300-600) to determine your entrepreneur’s income. Your Viisi advisor can provide you with more information.
Additional mortgage services
| Appraisal report | € 630 |
| Income mortgage protection insurance (disability/ unemployment), during mortgage application |
€ 0 |
| Bidding with Certainty (excl.bank guarantee) | € 850 |
| Bridge loan | € 300 |
| Divorce (buy out an ex-partner) | € 3,095 |
| Disability insurance entrepreneur during mortgage application | € 995 |
| Extra mortgage quote, you have already received a final offer | € 995 |
| 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 from upcoming pension | € 250 |
| Interest rate averaging (mortgage taken out through Viisi, excl. administrationfee lender) |
€ 500 |
| Life insurance during mortgage application | € 0 |
| Increase existing mortgage (for mortgages arranged via Viisi) | € 2,095 |
| Increase existing mortgage (for mortgages not arranged via Viisi) | € 3,095 |
| Mortgage loans > € 1,000,000, add-on | € 500 |
| Negative home equity financing | € 500 |
| Starters loan via Dutch Public Housing Stimulation Fund (sVn) | € 250 |
| Structural survey | € 375 |
| 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 |
An hourly fee is charged for work that we perform (at your request) after the mortgage closing (continuous guidance). We apply two types of rates: € 200 (advisor) / € 75 (support).
Appraisal report from € 630
An appraisal report is one of the most important documents for the mortgage lender. This document proves that the house, the collateral for the mortgage, is worth a sufficient amount. You can get an appraisal report starting from € 630.
We would gladly arrange an appraisal for you to ensure that the report is made in a timely manner and fits your mortgage application. Viisi will request the appraisal to be done by Maatwerk Woondiensten. Maatwerk is a party that has proven to provide good service in a timely fashion and at competitive rates.
Bank guarantee
When you reach an agreement with the seller of the house, the selling party often demands that you as the buyer, pay a security deposit or have a bank guarantee. This gives the seller more security that you will actually buy the house.
We would gladly help you to obtain this bank guarantee and provide you with an insight in the costs. Some parties do not charge a fee for this, while others may charge a fee of up to 1% of the security deposit.
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!