Discover what a mortgage advisor costs in the Netherlands. Compare consultancy costs, closing costs and additional costs and request free quotes.
Average cost for a mortgage advisor (average)
A mortgage advisor charges an average of 2,000 to 3,500 euros for a complete advisory process. This includes taking stock of your financial situation, comparing mortgage providers, calculating your maximum mortgage and arranging the application. With execution only you only pay 500 to 1,000 euros, but then you have to choose the right mortgage yourself.
In addition to the advisory fee, when taking out a mortgage, you also pay for a valuation report (400-700 euros), notary costs for the mortgage deed (500-1,200 euros) and possibly the NHG premium (0.6% of the mortgage sum). For a mortgage of 300,000 euros, the total additional costs amount to 4,000 to 6,500 euros. You can often finance these costs in the mortgage.
An independent mortgage advisor compares mortgages from all providers on the market. A tied advisor works for a specific bank or insurer. Independent advice is usually more expensive but often provides the best interest rate and conditions. In complex situations such as self-employment or a divorce, independent advice is strongly recommended.
Refinancing your mortgage can be worthwhile if the interest rate has fallen significantly compared to your current rate. An advisor calculates whether refinancing is beneficial after deducting penalty interest and closing costs. The consultancy costs for refinancing are between 1,000 and 2,500 euros. As a rule of thumb, refinancing is interesting if the interest rate is at least 1 percentage point lower.
Compare at least three advisors on price, experience and type of advice. Check whether the advisor has an AFM permit and is affiliated with a complaints institute such as Kifid. Ask about experiences with your specific situation, for example as a starter, self-employed or in sustainability. Read reviews and ask in your area for recommendations.
| Service | From | To | Unit |
|---|---|---|---|
| Complete mortgage advice | €1500 | €3500 | total |
| Refinancing advice | €1000 | €2500 | total |
| Closing costs only (execution only) | €500 | €1000 | total |
| Valuation report | €400 | €700 | per report |
| NHG premium | €0.6 | €0.6 | % of mortgage amount |
| Notary costs for mortgage deed | €500 | €1200 | total |
Complete mortgage advice including mediation is more expensive than just closing costs. With execution only, you take out the contract yourself and only pay a limited rate.
A standard mortgage for a dual-income couple is simpler than advice for self-employment, divorce situations or foreign income.
An independent advisor compares all providers but usually charges more. A bonded advisor works for a specific bank and can be cheaper.
In the Randstad, consultancy costs are on average 10-15% higher than elsewhere, due to higher operating costs.
A mortgage advisor costs an average of 2,000 to 3,500 euros for a complete advisory process including mediation. Closing costs (execution only) cost 500 to 1,000 euros. Refinancing costs 1,000 to 2,500 euros.
Yes, mortgage advice costs are tax deductible as financing costs when purchasing or refinancing your home. This also applies to appraisal costs and notary costs for the mortgage deed.
An independent advisor compares mortgages from all providers and can therefore find the best interest rate more often. A tied advisor works for a specific bank. For most situations, independent advice provides the best result.
With full advice, the advisor analyzes your situation, compares providers and arranges everything. With execution only, you choose the mortgage yourself and only pay for the administrative handling. Execution only is cheaper but only suitable if you know what you want.
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