Borrowing money, costs money

Loan or mortgage

When a loan, when a mortgage?

A Personal Loan can be a more beneficial choice than a mortgage. Although the interest rate on a mortgage is often lower than on the Personal Loan, the one-off costs are higher. These costs are: notary costs, appraisal costs and advice costs for the mortgage adviser. Bottom line, a Personal Loan will in many cases be more advantageous than a mortgage, also because the term is shorter than that of a mortgage.

Advice when in doubt between loan and mortgage

If you are about to improve your current home, let a credit specialist list the financing options. Our team of advisors is driven to keep costs as low as possible with inventive solutions. Contact us or submit an inquiry . Within 24 hours you will receive a no-obligation quote with an excellent proposal.

Tax benefits on your loan

The interest you pay is tax-deductible if the money is used for the purchase, improvement or renovation of the owner-occupied home. This applies to both a mortgage and a Personal Loan.

How to save money by paying off your mortgage with a loan

The interest rate on your mortgage depends on the ratio between the market value of your home and the mortgage. The foreclosure value is ... Read More

Mortgage for home improvement is often expensive

If you are about to improve your current home, let our credit specialist list the financing options. Our team of ... Read More

Mortgage or loan for home insulation

The interest on a personal loan used for insulation in a home is deductible. As a result, the investment is quickly recouped. Is ... Read More

Mortgage or loan for residual debt

Important change with regard to tax deductibility of residual debt financing with effect ... Read more

Which loan is deductible?

If you want to take out a loan for the purchase, improvement or renovation of your own home, the interest paid is in principle deductible. Dien ... Read More

A loan or mortgage?
Calculate the best choice for you

At we like to think along with you! Enter your home improvement plans below and you will immediately see whether a loan or a mortgage ... Read more

Merge personal loan and mortgage

By merging the personal loan and your mortgage you do not reduce the amount of the total loan, but it means in most ... Read more

Our interest rates

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What do customers say about our services?

735 Customers rate with a 9.6 on Trustpilot

Trustpilot rating

Everything arranged quickly within two days so that we are cheaper.

Caroline 7 days ago
Trustpilot rating

Everything arranged super fast. Application made on Monday afternoon, had to send in a few more documents on Tuesday and the money was in the account on Wednesday. Absolutely great!

Mr. M. van der Meer 7 days ago
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