House and mortgage

Borrow money for your home

It starts with choosing a suitable loan. Which loan suits you best depends on your wishes. If you are borrowing for a specific purpose, a Personal Loan is a good option. Thanks to the fixed interest rate and term, you always know where you stand. Are you not sure yet how much money you need? Think of a Revolving Credit. You can pay off a residual debt with both loans.

Borrow cheaply as a home owner

If you have your own home, you often borrow at an extra low interest rate. Your own home gives the bank more security. That is why they offer you an extra advantageous interest rate. In addition, you can also borrow longer and more money as a home owner. And there are more loan options for homeowners with a temporary employment contract. Plenty of extra benefits.

Borrow money for your mortgage

It may not be the first thing that comes to mind, but you can also use a Personal Loan or Revolving Credit to partially repay your mortgage. Thanks to a repayment on your mortgage, you often end up in a lower risk class. As a result, you pay less interest on the total mortgage. This way you can save a lot of money.

Loan or mortgage

Where in the past people often opted for an extra or increased mortgage, nowadays people are increasingly opting for a loan for their home. For example to finance a renovation or residual debt. We have listed the benefits for you.

Loan benefits

Do you want a loan for your home for less than € 25,000 and a term of less than 10 years? Then choose a loan.

Cheaper
The interest on a loan is often slightly higher than on a mortgage. But, the total price is lower. Because you do not pay any advice, closing, notary and appraisal costs for a loan. In addition, you can usually make extra repayments without penalty.

Shorter term
In contrast to the long, fixed term of a mortgage, you determine the term for a loan yourself.

Faster
Taking out a mortgage takes at least 4 to 6 weeks. With a loan you often have access to your money within one week.

Easy transfer
You can often easily transfer a loan to take advantage of a better offer from another bank. If you refinance a mortgage, you often pay a fine and again costs for advice, the notary and appraisal.

Benefits of a mortgage

Do you want to borrow more than € 50,000 and a term longer than 10 years? Then an extra mortgage is probably a good option.

Cheaper
The interest on a mortgage is usually lower than that on a loan.