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Hecht Hypotheken

Great living starts with great advice.

Hecht guides expats, entrepreneurs and first-time buyers from first calculation to key handover.

Mortgage check

Know where you stand before you start viewing.

A first indication of what you can borrow in under two minutes. In the intro call we work it out properly, including your contract, student debt and energy label.

What could you borrow?

  • 40+ lenders
    Soon independently compared
  • NL & English
    Advice in two languages
  • One dedicated adviser
    Personally guided
  • Randstad & het Gooi
    Local and online

Not every mortgage fits a standard box.

Buying your first home, without the hassle

The first purchase feels big. We make it clear and make sure you know what you can offer in time, so you enter the housing market with confidence.

  • Also with a temporary contract or intent statement
  • Student loan correctly taken into account
  • Know what you can offer before you bid
  • Calmly explained, step by step
Couple celebrating the handover of their first home

Everything around your home, under one roof

From your first mortgage to making your home sustainable or refinancing. We handle the full picture.

Everything well arranged. Even after the mortgage.

With a new home, we look right away at which insurance you really need. No stand-alone products, just advice that fits your situation.

View all insurance

Four steps to your key

A clear process, one fixed point of contact, no surprises. So you always know where you stand.

  1. 01

    Orientation

    A no-obligation conversation about your plans, your income and what is realistic.

    About 1 hour
  2. 02

    Calculation and options

    We calculate your maximum mortgage and your monthly payments precisely, using the standards that apply that year.

    Within 24 hours
  3. 03

    Application and file

    Once you have a home, we build the file and submit the application.

    A few weeks
  4. 04

    Up to the keys

    We check the deed from the notary and go through the final statement with you before you sign.

    Set date
Reveliño Stijnberg

For most people, a mortgage is the biggest financial decision of their life. I want you to understand exactly what you are signing. That is why at Hecht, we take the time to understand your personal situation.

Reveliño StijnbergFounder of Hecht

Locally at home in Amsterdam, Almere, het Gooi and the wider region

We know the housing market in Amsterdam, Almere, het Gooi and the surrounding region from the inside out. Personal, close by, and with real knowledge of the neighbourhoods where you want to live.

WHERE WE ADVISE

Also in Amstelveen, Haarlem, Hilversum, Lelystad, Zaandam.

Family in their new home among moving boxes

Clear from the start.

Question not listed? A short intro call gives you clarity quickly.

  • You pay a fixed amount for advice and arrangement, which you hear before you decide anything. On top of that come costs that are not ours: valuation, notary, and for a home under the national guarantee limit the guarantee fee. In the first conversation we put everything you will pay on a single overview, so nothing turns up later.

  • Often you can. The key is an employer's statement with an intention to extend: your employer states that, if you keep performing, they intend to offer you a permanent contract. Request it before you start viewing homes, because at a large employer it can take weeks. Without one, lenders look at your employment history over recent years.

  • We will be independent and compare the offers of more than forty lenders, so you will not be tied to one bank. We are joining a collective AFM licence as an affiliated company; until that is in place, we are not allowed to arrange mortgages.

  • Yes. Conversations, calculations and the documents you need to understand are all available in English. The notarial deed itself is in Dutch, as the law requires; the notary explains it to you in English and a translator can be arranged.

  • Certainly. Lenders look at the figures of your business and at what you pay yourself. Keep your annual accounts, your income tax returns and a recent overview from your bookkeeping to hand. If your business is only a year or two old, an income statement from a recognised calculation expert can offer a way forward.

  • The mortgage check on this site gives you a rough indication in two minutes. A real calculation, with your contract, your student debt and the energy label included, we do in the first conversation. That takes about an hour.

See all questions

Let's make your home plans hecht.

Hecht is opening soon. Already have a question about your plans? Send us an email, we're happy to think along.

  • Free and no obligation
  • Reply within one working day
  • One fixed point of contact