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HECHT Hypotheken
OUR APPROACH

Four steps to your keys

Arranging a mortgage is not complicated work, but it is a long process with a lot of parties: an estate agent, a lender, a valuer and a notary, all of whom want something from you at a different moment.

We keep track of that, with one point of contact from your first question to the handover of the keys. Below you can read exactly what happens at each step and what we need from you.

What happens, step by step

  1. STEP 1

    Orientation

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

    • We work out your borrowing room roughly
    • We name what needs attention in your situation: a temporary contract, student debt, your business figures or your residence permit
    • You leave with a number and with the reasons behind it
    WHAT YOU DO
    Nothing required. A payslip or your latest annual accounts do make the conversation concrete immediately.
    HOW LONG
    One conversation of about an hour
  2. STEP 2

    Calculation and options

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

    • We compare several lenders, not only on the rate
    • We look at extra repayments, taking your rate with you when you move, and your risk class
    • You see per option what it means per month
    WHAT YOU DO
    Your income details, an overview of your loans and student debt, and an idea of your savings.
    HOW LONG
    A few days, depending on how quickly your documents are complete
  3. STEP 3

    Application and file

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

    • We stay in touch with the lender, the valuer and the estate agent
    • We watch the dates in your purchase agreement, above all the deadline of your financing clause
    • You only supply what is on the list
    WHAT YOU DO
    The documents from the list you receive in advance, and a signature at the moments it is needed.
    HOW LONG
    A few weeks until the binding offer
  4. STEP 4

    Up to the keys

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

    • You know what you are signing before you sit down
    • After the transfer we stay available: for an expiring rate, a renovation or a move
    WHAT YOU DO
    Come along to the notary, and ask your questions beforehand rather than afterwards.
    HOW LONG
    The date is set in your purchase agreement
  • 40+ lenders
    Soon independently compared
  • NL & English
    Advice in two languages
  • One dedicated adviser
    Personally guided
  • Randstad & het Gooi
    Local and online

What you can expect from us

One point of contact, not a rotating cast of advisers. An answer within a working day. And if something is not possible, we say so straight away, even when that means no work for us.

See all questions
READY FOR YOUR NEXT STEP?

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.

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  • Free and no obligation
  • Response within 24 hours
  • One fixed point of contact