MORTGAGE ADVICE

Renovating with your mortgage

An extension, a dormer, an attic that finally becomes a bedroom. You know what you want, but not how to pay for it: from savings, by increasing your mortgage, or by including the work in the mortgage for the home you are buying.

With a renovation, it is not only the cost that counts but also what your home is worth afterwards. Lenders look at that after-renovation value and often work with a construction deposit (bouwdepot): a reserved amount you draw on to pay your builder.

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What we do for you

We find the route that fits

Increasing your mortgage, including the work when you buy, or paying part from savings: we put the options side by side, with what each one does to your monthly payments.

We work with the value after renovation

A valuer can set a value after renovation based on your plans. That partly determines how much you can borrow.

We explain the construction deposit

How to claim from it, which deadlines apply and what to watch for in your builder's quotes. So you do not get stuck halfway through the job.

We keep track

From application to the last claim from your deposit, you have one point of contact.

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Frequently asked questions about renovating

Often you can, if the value of your home and your income allow it. The lender assesses your application again, even if you have paid neatly for years. We check in advance whether it is realistic.
The part of your mortgage meant for the renovation is held separately. You pay your builder by claiming the invoices from the lender. What you do not use is usually repaid on your mortgage.
That is common with a home that needs work. You include the renovation costs in your mortgage application. What is possible depends on the value after renovation and on your income.
Not automatically. A valuer sets the value after renovation based on your plans and the market. So do not count on a figure you worked out yourself.
Usually yes. A lender wants to know exactly what will be done and what it costs. A specification from your builder, or a list of the work you will do yourself, moves your application along.
The two often overlap: insulation, a heat pump or solar panels are part of a renovation, but separate arrangements sometimes apply. In a conversation we look at what applies to your plans.

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.