Mortgages

Mortgage advisers and mortgage brokers are a dime a dozen, but at Finsens we provide advice that is based on our customers’ needs rather than on products created by a bank or insurance company.

We believe that a mortgage must be flexible and transparent, and to ensure that this is achieved, we advise our customers to take out the following:

• a maximum redemption-free mortgage;
• a savings form with a guarantee (i.e. banksparen, a bank savings scheme launched in the Netherlands in 2008, which is an addition to the existing insurance-based savings scheme and investors accounts), or investment funds with a strong track record;
• a separate life insurance policy (if desired).

Based on your needs and requirements, we may decide on a different plan, such as increasing your savings as part of your mortgage. In that case, you will earn interest and will not be taxed on your savings.