Something doesn't feel right.
You've had advice. You have an offer, or a rejection, or a recommendation you can't fully evaluate. Before you sign anything — or give up — it's worth a second look.
The stakes are high enough to check.
A mortgage is typically a 20–30 year commitment. A rate that's 0.3% too high costs you thousands over the term. An adviser who didn't know which lenders count your 30% ruling could have cost you €50,000 in borrowing capacity.
A second opinion is not about undermining your current adviser. It's about making sure you're not signing something that doesn't serve you well — before you sign it.
The call is free. If everything looks good, I'll tell you so. If there's a meaningful improvement to be made, I'll explain it clearly and let you decide what to do next.
When a second opinion helps.
You got a mortgage offer but something feels off
The rate seems high, the conditions are unusual, or the adviser couldn't fully explain why they picked this lender. A second set of eyes takes 30 minutes.
Your application was rejected
A rejection from one lender doesn't mean no. Different lenders have different criteria for expat income, permit types, and contract situations. I'll tell you whether another lender would take a different view.
You were told your 30% ruling doesn't count
Sometimes true, sometimes a lender limitation being presented as a general rule. About six of the fourteen lenders I work with count your full gross salary regardless of ruling treatment.
You're not sure your adviser knows the expat angle
Most Dutch mortgage advisers are excellent for Dutch clients. The expat specifics — BKR without a Dutch credit history, foreign income, non-EU permits — are a different skill set.
A structured review, not a gut feeling.
- Whether the lender chosen is the right fit for your income and residency type
- Whether your 30% ruling has been correctly accounted for
- Whether the interest rate is competitive given your profile
- Whether the mortgage product (NHG, repayment type, fixed term) matches your situation
- Whether there are alternative lenders who would offer meaningfully better terms