Our working method

Plans on moving from your current home to a new place?

Plans on moving from your current home to a new place? When it comes to mortgages, things become a little more complicated. It’s still no rocket science, but definitely a lot to figure out. Probably more than with your first mortgage. You need a clear picture and guidance through the world of different financial regimes and bridging loans. All in all: this is where we can help. We will advice you and take care of all the paperwork. So you can focus on all the other choices you have to make if it comes to moving into a new place. Do you want to find out more about how we work?

Step 2Analyse & Advice
Step 3Application
Step 4Completion
Important for you to know

You are the centre of our attention. That’s why we like to take the time to get to know you, either in real life or digitally.

Your wishes will determine what we’re going to do, which is why we will ask you questions. A lot of questions! We will help you get to the heart of the matter and will create insight into your wishes and the possibilities.

What we are going to do
  • Meet and get to know you
  • Learn about your personal situation and goals
  • Explain the Dutch mortgage system
  • Give you an indication of your possibilities and discuss points of attention
  • Explain how we work with you and our partners
Step 1Getting to know you
Step 3Application
Step 4Completion

Analyse & Advice

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Peter Geurts
Financial Advisor
Important for you to know

You will get a list of the documents we need. As soon as we have these, we’ll start our analysis.

You’ll get a clear overview of your possibilities in an advice report. Together, we will then determine our strategy, planning and next steps.

What we are going to do
  • Collect and check your documentation
  • Follow up on intake meeting and draw up orientation report
  • Inventory – income test
  • (Fiscal) analysis of current mortgage
  • Maximum mortgage calculation
  • Draft a scenario analysis with potential lenders
  • Drawing up an advisory report including presentation of various lenders
Step 1Getting to know you
Step 2Analyse & Advice
Step 4Completion

The application

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Peter Geurts
Financial Advisor
Important for you to know

We will submit your situation to one or more lenders. They will then come up with an appropriate offer.

We will go through this offer with you to make sure everything is clear and to your satisfaction. If that’s the case, we will take care of the mortgage application for you – paperwork and discussions included!

Completion
  • Advance discussion of your case with potential lenders (if needed)
  • Finalize advice report (update on interest, lender and property)
  • Coordinate valuation new home
  • Coordinate valuation existing home
  • Assess possibilities for bridging loan
  • Apply for mortgage loan with the lender of your choice
  • Handle the paperwork for your application until approval
  • Weekly progress update
Step 1Getting to know you
Step 2Analyse & Advice
Step 3Application

Completion

https://klarfinance.nl/wp-content/uploads/2020/06/klar-finance-peter-geurts.jpg
Peter Geurts
Financial Advisor
Important for you to know

Dotting the i’s and crossing the t’s

As soon as you accept the lender’s final offer, we’ll take care of everything. We are the linchpin between you, the lender, the notary, the surveyor and any other parties. We will ensure that the process runs efficiently. Until it’s all finished. We promise!

What we are going to do
  • Finalize your application with the lender
  • Arrange bank guarantee (if needed)
  • Coordination between civil-law notary and lender(s)
  • Check of civil-law notary documents for completeness and accuracy
  • Periodical progress update
https://klarfinance.nl/wp-content/uploads/2020/06/klar-finance-peter-geurts.jpg
Peter Geurts
Financial Advisor