Transfer a mortgage

The interest you are currently paying may be higher than the current market interest rate. Interest rates are now at the lowest level in history. By transferring the mortgage to another lender before the end of the fixed-rate term, or by simultaneously adjusting the current interest rate contract with the current mortgage lender, you immediately benefit from lower monthly costs.

Your current mortgage type may no longer be suitable for you. The tax treatment of old mortgage types such as savings and investment mortgages has changed significantly in recent years. It is also possible that you currently have a large part of your mortgage interest-only. Together with you, we look at what is useful and sensible in your situation.

When refinancing a mortgage, you usually have to deal with the penalty interest that must be paid to the current lender. You signed an interest rate contract with them and if you refinance the mortgage, the contract will be broken. This costs lenders money because they miss out on interest income. They hope to compensate this loss of income with the so-called penalty interest. There is no penalty interest if you want to refinance the mortgage at the end of your fixed-interest period.

Do you want to know if refinancing is worth it? Arrange a no-obligation orientation meeting. We will discuss the above steps with you and analyze whether the transfer is really effective. We think a fair comparison is very important. We discuss any tax consequences and compare the new monthly rate with the current rate. We also calculate the payback period for penalty interest and expenses. If you are convinced, we will arrange a meeting in which we will actually switch.