Mortgage advisor Utrecht
When you're an expat searching for mortgage advice in Utrecht, finding the right starting point can be a bit overwhelming. That's where Viisi comes in as your dedicated full-service mortgage advisor, specially catering to expats living or working in Utrecht. We're here to simplify the entire process, making it more accessible and convenient for you.
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16,074 mortgages 
9.9 average customer rating
€6.5 billion financed by mortgages From house-hunting to house-warming in 5 steps
Making solid preparations for your house-hunt
Do you qualify for a mortgage in The Netherlands?
At first you can check if you can apply for a mortgage in The Netherlands by using our ‘Do I qualify for a mortgage?’ tool. Within two minutes you will know if there are possibilities for you for obtaining a mortgage in The Netherlands. No personal information will be asked when completing the tool.
Thoroughly prepared through our webinar
In a single evening, we’ll take you through all of the aspects involved in buying a home. Whether it’s your first home, or if you’re selling up and moving on to another property, our advisors are always happy to help you on your way.
Calculate your maximum mortgage
Before you start looking, you’ll naturally want to know how much you can borrow. By using our online calculation tool, you can generate your own initial estimate.
Full service, we can connect you to all relevant parties
Viisi clients take advantage of our extended network. We connect you to the best real estate agents, appraisers, notaries, building inspectors etc.
Appointment with an advisor
We’ll conduct a preliminary meeting, and with us, it’s always without further obligation. This way, we can find out together within half an hour whether we’re able to help you. We can almost always provide a direct insight into your possibilities.
Schedule an appointment right away
Looking for more reading material?
Our knowledge base is packed with useful information on mortgages and house-hunting.
Get your bearings in the housing market
Check current prices and bidding info with Walter Living
Use Walter Living for your house-hunt. This allows you to request up-to-the-minute price and bidding information on all properties. Is a property being offered at a very attractive price, or is the asking price far too high? Has it been sold before and come back onto the market again later? You’ll get to see it all!
Bidding and negotiating
Offer with certainty
An offer without a financing condition increases your likelihood of a successful bid. It is not without risks however, which is why Viisi, in collaboration with BNP Paribas, introduced the Offer with Certainty. After a thorough assessment, you will receive a certificate with a specific amount up to which your mortgage is pre-approved. You can make the offer while dropping the financing clause, making it much more attractive for the seller.
Legal guidance
During your search and after the purchase of your new home, you can make free use of the DAS legal helpline, which is useful for any legal questions surrounding the purchase, financing, transfer and renovation of your new home.
Are there any other questions on your mind? Your advisor is on standby.
Your personal advisor with Viisi is always available for questions during your search. If you need to act quickly, we’re there for you immediately!
Tailor-made mortgage advice
Tailored mortgage advice
When your bid has been accepted by the seller, you need to arrange a number of things. First of all the mortgage. During the consultation, you will discuss with us a number of things to make sure you make the right choices:
- How to structure the mortgage (repayments, fixing the interest, taxation)
- Which interests are available in the market, what are the differences in terms of monthly payments?
- Which mortgage conditions are important? And which lender offers the best deal for me?
- What are the processing times of mortgage lenders and where do I have the best chance on an smooth approval of the mortgage?
Insurance included
Advice on life insurance and other insurances is always included in our advice, without any additional fees. Because it is important to be confident about your financial situation regardless what happens in the future.
Need an appraiser or bank guarantee?
Look no further, because Viisi can also set that up for you. We work together with a number of knowledgeable partners, who offer good service levels and competitive rates.
A 40% faster processing rate for your mortgage
Viisi is unique in having our own team of lightning-fast and accurate mortgage underwriters. They check your documentation before sending it to the mortgage lender. You will know immediately if something is missing or when an additional document might be needed. This way, we make sure that mortgage applications from Viisi are approved 40% faster than average.
Do you have any further questions? Your Viisi advisor will be there all along until your mortgage has officially been approved. And after that as well!
Your home is financed!
Final quote
When everything has been checked and approved, you will receive your final mortgage offer. All you need to do afterwards is sign, and your mortgage is done and dusted!
Congratulations! You can head over to the notary and pick up the keys to your house.
Do you have any questions after that? Or need to arrange insurances for your new home? Your Viisi advisor is there for you!
Take a look at Viisi Wealth as well in order to think about investing for later. And in this article we will discuss pension investments.
The Utrecht housing market
Looking for a home to buy in a popular neighbourhood as an expat in Utrecht? Do not be surprised if there are ten people ahead of you in the queue, each eager to make an offer. You can only act quickly if you have done your homework thoroughly in that phase in terms of obtaining mortgage advice in Utrecht and some knowledge of the housing market in Utrecht. Therefore, a mortgage advisor in Utrecht, with knowledge of the Utrecht housing market, is recommended to get you one step closer to your new home.
In many cases, houses listed on Funda disappear swiftly, leaving little room for response. In the first quarter of last year, the average house price was 300,000 Euros, but at the beginning of this year, that price had surged to 350,000 Euros. Utrecht has maintained its position among the top three overheated housing markets for several years now. Seen your dream home? Act quickly, but do not allow yourself to be manipulated by a mortgage broker. Prepare yourself well and be ready to make your first offer. Discover more about the housing market in Utrecht with the advisors of Viisi by your side.
Want to live in Utrecht as an expat?
Living in Utrecht, as an expat, offers many benefits. The central location makes it an ideal base. For example, Utrecht Centraal offers easy access to many places. Besides, the city has it all: from attractive canals, good restaurants and welcoming pubs, to exclusive shops and large chain stores. But Utrecht also offers culture, festivals and nature. There is a great deal of activity, but it is not as busy as Amsterdam, for example. In short, there is something for everyone!
Naturally, a city with so much to offer is extremely popular with many people. The universities and colleges also make it highly sought after by many first time buyers. A large proportion of graduates find their first job in or around Utrecht and wish to settle in the city.
Your situation
Are you going to buy your first house, do you want to remortgage your property or are you going to buy a next house? Viisi is your mortgage advisor in Utrecht.
- Including mandatory or desired term life insurance(s)
- MyViisi: documents can be simply and securely uploaded online
- Academically educated advisors
- One fixed advisor for the entire mortgage process
- Extended network of real estate agents, appraisers, notaries etc.
- Partnerships for arranging your tax return and provisional refund
Mortgage advice in Utrecht? Viisi is ready for all your questions!
Anyone who wants to buy a home in Utrecht nowadays needs to be prepared for quite a few things. Because it is often said that being well prepared is half the battle won, that applies even more in this case. Ensure you are familiar with all the ins and outs of the Utrecht housing market before you start your search in earnest. You see, as with many other Randstad cities, the Utrecht housing market is also under immense pressure. By being well prepared, you avoid a great deal of disappointment and possibly unpleasant surprises too. Viisi would be delighted to give you mortgage advice in Utrecht.
You can schedule an initial no obligation consultation with one of our university-educated mortgage advisors and you can also attend our free webinar. This is particularly handy if you are a first time buyer on the housing market. In one evening, we tell you what you need to take into account when buying your first home. In addition, you get the opportunity to share experiences with people who are in the same situation as you are.
Are you curious about your maximum mortgage and the corresponding monthly expenses? Calculate your maximum mortgage with Viisi’s mortgage calculator.
Want to live in the heart of the Netherlands? Go to Viisi for mortgage advice in Utrecht!
At Viisi, it makes no difference whether you are a first time buyer, you are upsizing, a repeat buyer, or an expat in Utrecht. We give everyone in Utrecht appropriate mortgage advice. Our mortgage advisors look at your personal circumstances, but also know exactly what is happening on the Utrecht housing market. This way, you can always count on expert advice and buy your (first) home with confidence. What we are currently seeing in Utrecht is that:
- The suburbs surrounding Utrecht are very popular with house buyers. Many dual income households and families with children want easy access to the action of the city, but do not wish to live in the centre per se. They therefore look for an appealing home in one of the nine suburbs just outside the city centre;
- Newly listed homes are now not even being offered on Funda. Buyers are found via the grapevine, or directly via a mortgage broker identified in advance;
- Most homes are sold within just a few days, with or without a proviso
In Utrecht, the average price per square metre is nearly 3,000 Euros.
Professional mortgage advice in Utrecht
Curious about your options in Utrecht? Schedule a telephone mortgage advice consultation in Utrecht with one of our mortgage advisors. If you have your sights set beyond Utrecht, Viisi can also assist with appropriate mortgage advice. We have several offices in the Netherlands, including Amersfoort, Hilversum, Amsterdam and The Hague. You can find a list of all our branches on the contact page. Or look at our locations below. Feel free to contact us!
