Mortgage advice in Almere
Almere is a city that is still being built. That makes buying here different from buying in an old city centre: there is a good chance you will buy a home that does not exist yet, with a completion date somewhere next year and a drawing instead of a viewing.
New-build has its own rhythm. You pay in instalments, you pay interest during construction on the part already drawn, and you decide on extras before the first brick is laid. That calls for a plan that accounts for the period when you are still living somewhere else.
What we do for you
We include the building period
During construction you pay interest on the part already drawn, while your current housing costs simply continue. We show what that means per month.
We look at your extras
An extension, a dormer or a different kitchen is decided early. We check in advance how much of that can be financed, so you are not left topping it up afterwards.
We watch your rate deadline
There is often a long gap between your offer and completion. We keep an eye on how long your interest rate is valid and what happens if building runs late.
We know the existing housing too
Almere now has neighbourhoods forty years old. Buy there and maintenance and the energy label matter instead; we handle that just as well.
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Frequently asked questions about buying in Almere
You sign a purchase and construction agreement and pay in instalments as building progresses. So you are not buying a finished house in one go. The costs work differently too: new-build is usually sold 'vrij op naam', so you pay no transfer tax.
You pay interest on the part of your mortgage already drawn, and that grows as building progresses. If you are still living elsewhere, you carry that alongside your current rent or mortgage. We work that out for you in advance.
The part not yet paid out sits in a deposit. The builder sends the instalment invoices, you approve them and the lender pays from the deposit. On the amount still in the deposit you usually receive interest.
Often partly. Work that demonstrably adds value to the home counts sooner than loose furnishing. Make sure you have a specification from the builder; a lender can work with that.
That happens regularly. What matters then is how long your interest rate stays valid and whether that period can be extended. We settle that before you sign, so a delay does not become a financial surprise.
Certainly. In the older neighbourhoods it is maintenance, the energy label and making the home greener that matter. Different questions than new-build, but just as much part of the advice.
Let's make your home plans hecht.
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