“Because buying a new home is exciting enough already, Kanzz ensures that the financial matters are properly arranged for you.”
Buying a house is exciting enough already. Kanzz ensures that all financial matters are properly taken care of.
What is really important to you? What is your current situation? And what does the future look like? I will look at your wishes and dreams together with you and we can make well-considered decisions together. There is no reason to choose the highest mortgage or the lowest monthly mortgage payment. Choose a mortgage that matches you and your life.
In addition to your mortgage, other matters are also important: can you continue to afford your monthly mortgage payments in the event of illness or unemployment? And what consequences does your death have for your partner and/or family? Once you know what the impact is, you can decide what risk you want to take.
Sometimes your situation changes or you have other priorities that require adjustments. Renovation, lowering housing costs or making your home more energy-efficient? I will make a (new) plan. After all, your life can change again. And life isn’t all about paying your mortgage. Your home is more than your mortgage.Read more
Sustainable dream home
Are you going to build or renovate your dream home? Go sustainable! A sustainable house is better for the environment. You do not only save energy, but raw materials as well. Respect for people and the environment is paramount. These homes are often also healthier for residents and users.
That’s all well and good, but how are you going to pay for this sustainability? Fortunately, in addition to the necessary subsidy schemes, there is also the option of paying the costs through a mortgage. When you take out your mortgage, you can borrow extra money for energy-saving facilities (EBV). Your mortgage payments will be slightly higher as a result, but your energy bill will be a lot lower. In addition, the value of your home increases because of the adjustments and what is certainly not insignificant: you are helping the environment.
You can borrow a maximum of €9,000 extra for energy-saving measures on top of the maximum mortgage calculated on the basis of your income. To qualify for this, your (joint) gross annual income must be at least €33,000 and the total loan may not be more than 106% of the value of the home.
Do you want to borrow more than €9,000 extra for energy-saving measures? In that case, this is only possible if you still have financing capacity on the basis of the income assessment. The maximum amount of the total mortgage does not change as a result and may not exceed 106% of the value of the home.
The extra loan amount may only be spent on energy-saving measures.
A mortgage in a few steps
A first acquaintance at no cost. I will answer your most important questions and make a Kanzz calculation so that you are well prepared when looking for a home or making a bid.
Good and personal advice requires a lot of information. I will ask about your wishes and dreams, but also about what risks you do or do not want to take.
Do you need more assistance?
You can also contact me for details of a buying agent or selling agent, valuer, civil-law notary, structural engineer, etc. I will put you on the right track.
I prepare personal mortgage advice in which I mainly consider the affordability of your housing costs in various scenarios.
If you like the plan and we have made all the choices, I will request the corresponding mortgage offers and we will go through them together.
I will make sure that everything is submitted to the civil-law notary in time so that you can take possession of the key. Please do not hesitate to contact me if you have any questions afterwards.