Hypotheken – HMN Makelaars

HMN Real Estate and Mortgages Midden Nederland are located under one roof, which has significant benefits for both buying and selling your home. If you want to learn more about how we can help you obtain the right financing, we refer you to Hypotheken Midden Nederland. Hypotheken Midden Nederland.

Mortgage: the basics
If you're going to work with a mortgage, it's wise to at least have a basic understanding. A mortgage is a loan where your home serves as collateral for that loan. In most cases, you pay off a portion of the loan each month, and you also pay interest on your total mortgage amount.

Mortgage interest deduction
The government makes buying a home attractive by providing a subsidy called the mortgage interest deduction. You can deduct the interest you pay on your mortgage from your income tax. This means you get money back.

For newly closed mortgages, this deduction applies only to annuity and linear mortgages. Learn more about all mortgage types.

Example calculation
Your mortgage amount is €200,000, and you pay 4% interest. This translates to €8,000 in gross interest per year, or €667 per month. You deduct this amount, minus a threshold called the Owner-Occupied Property Forfait, from your income. This reduces your interest costs to €5,270 net, or €439 per month.

For First-Time Home Buyers
For first-time home buyers, there are various options for borrowing extra or more affordable money. For example, through the starter loan. Or through the lower interest rate associated with a mortgage with National Mortgage Guarantee. That guarantee also applies when you are not a first-time buyer. Learn everything about the starter mortgage. Learn all about the starter mortgage..

Maximum Loan Responsibility
You have a nice home in sight but don't want to take the risk of having too high expenses. Fortunately, this is also not the case in most cases. The government has set limits on how much you can borrow for the purchase of a house. Learn more about the maximum responsible loan..

Mortgage Refinancing
If you already have a mortgage but would like to lower your monthly expenses or would like to have the certainty of low expenses in the future, it may be advisable to refinance your mortgage.

ND Wondel

Jan 2024. Onze financiële situatie om een nieuwe hypotheek af te sluiten/oversluiten werd bemoeilijkt i.v.m. nieuwe wetgeving omtrent het PGB inkomen. Na vele gesprekken met o.a. De bank zijn wij gaan zoeken naar mogelijkheden op Google. Wij kwamen uit op de website van www.hypothekenmiddennederland.nl en kregen een positief gevoel na het lezen van de informatie op de website. Wij namen telefonisch contact op. Zeer vriendelijk en duidelijk werden wij te woord gestaan en na korte uitleg van de situatie kregen wij een afspraak voor de volgende dag met de heer Chris de Nieuwe. Wat een fijn en duidelijk gesprek. Zeer goed geadviseerd en al bleek onze aanvraag “hoge wiskunde hypotheek” heer Chris de Nieuwe wist het toch heel duidelijk uit te leggen en gaf ons naar lange tijd weer positieve hoop. Ons huis werd verkocht en wij moesten z.s.m. een woning in Almere kopen, wat in deze tijd bijna onmogelijk lijkt. De heer de Nieuwe adviseerde ons over de aankoopmakelaar. En werden wij in contact gebracht met Peter Brandsma, wat ook weer de juiste match was. Peter Brandsma heeft ons fantastisch geholpen. Ook een fijne en snelle samenwerking tussen ons en de mensen van Hypotheken Midden Nederland. Het lukte Peter Brandsma om de woning die wij graag wilde voor ons te kopen. Wij zijn Meneer Chris de Nieuwe, Peter Brandsma en Marc Warme Link dan ook dankbaar voor de begeleiding, fijne en duidelijke communicatie en volle inzet.

Onze makelaar, Peter heeft mijn verwachtingen overtroffen. Zeer vriendelijk, deskundig en keurig alle afspraken nagekomen.

That's what I was looking for in a broker and that's what I found in Peter Brandsma. In addition, he even knew how to make a party out of the less fun aspects of selling a house. In short, highly recommended. (translated)

Helped by Peter Brandsma. From start to finish, Peter helped us and provided us with advice. For each choice, a clear path is outlined with why we should make which choice. We were able to fall back on his help at all times during the entire process. Many thanks (translated)