VVP Advice Award nomination

De Kredieter is one of three offices nominated for the VVP Advice Award 2024 in the category of the most customer-oriented mortgage advice office in the Netherlands. This nomination recognizes our long-standing commitment to excellence in both mortgage advice and customer service, and would not have been possible without our fantastic team, our loyal banking relationships and broker friends, and of course our valued clients. The final of the Advice Award election is on October 1. Click here for more information.
De Kredieter | Within 24 hours an appointment without obligations, Within 24 hours
an appointment without obligations,
De Kredieter | Specialist in mortgages for self-employed persons and expats Specialist
in mortgages for self-employed persons and expats
De Kredieter | 100% independent financial advice. 100% independent
financial advice.

Reducing the monthly costs of your mortgage

If you have a current mortgage and you want to take advantage of the current low level of interest rates, in general you have two options: refinancing or interest averaging. Whether this is beneficial for you depends among other things on the type of mortgage you have and your fixed-interest period. De Kredieter will be pleased to explain everything to you.

Make an appointment without obligation

Refinancing and interest rate averaging

Refinancing your mortgage

You can consider refinancing your mortgage during or after your fixed-interest period. This allows you to benefit from the current low level of interest rates. If you want to break your interest-rate agreement, you will have to pay a penalty to the lender. The penalty can be deducted from tax on one occasion, so you will get some of it back from the Tax & Customs Administration. In some cases you may be able to finance the penalty from your new mortgage. We will look for the best construction for your situation. Ask your adviser to explain the possibilities.


Interest averaging: pay less with no refinancing penalty

If you cannot afford the refinancing penalty, or financing it with the new mortgage is not an option, you may be able to use interest averaging. This can be attractive if your interest rate is still fixed for a number of years and the current interest rate is significantly lower. This will enable you to benefit to some extent from the lower interest rate without paying a penalty. Ask your adviser to explain the possibilities.

Discuss the possibilities with an adviser
Questions?
Contact us.
Call us
+31(0)20 - 575 33 20
Mail us
info@kredieter.nl
Visit us
George Gershwinplein 4
1082 MV Amsterdam

De Kredieter B.V. Within 24 hours an appointment without obligations, Within 24 hours
an appointment without obligations,
De Kredieter B.V. Specialist in mortgages for self-employed persons and expats Specialist
in mortgages for self-employed persons and expats
De Kredieter B.V. 100% independent financial advice. 100% independent
financial advice.
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