Mortgage advice in Sittard and Geleen
Buying a home in Sittard or Geleen? Discuss your maximum mortgage, monthly payments and own funds with RFD, at our Sittard office or in an online meeting.
Responsible for the content: Ricardo Roso. Updated on .
Personal mortgage advice from Sittard
RFD provides advice from Poststraat in Sittard, serving Sittard and the surrounding area, from Echt-Susteren to Maastricht. Your housing plans, monthly payments and room for the future are our starting point.
At RFD, personal contact and a smooth process come first. We aim to provide a prompt personal response, an appointment at short notice and efficient processing of your documents. We discuss the timetable for your application with you; the lender's assessment has its own processing time.
Mortgage advice for residents of Geleen
Do you live in Geleen or want to buy a home there? RFD helps with mortgage questions from its office at Poststraat 1 in Sittard. You can also meet us online. Office visits are always by appointment; appointments can also take place outside telephone hours and on Saturdays.
Discuss how much you can borrow, how much of your own money you need, and how a student loan, temporary employment contract or self-employed income affects your options. The first introductory meeting is free. For an application, we assess your personal information and the lender's terms.
Prepare by reading about buying your first home or start by calculating a mortgage estimate.
How much can I borrow?
Want to know which homes are within your reach? When assessing your maximum mortgage, we consider factors including your income, the property value, mortgage interest rate and financial commitments. The outcome requires a calculation for your own circumstances.
At RFD, we also discuss the monthly payments that fit your plans and how much room you want to leave for other spending. Your own funds and any existing mortgage help us consider your total purchase budget. You can discuss your questions before you have a property in mind.
Have a student loan? Read how it affects your mortgage application.
A personal assessment can also be worthwhile if you have a temporary contract. Read which income assessment routes may be relevant.
What are your housing plans?
Buying your first home calls for different preparation from moving with an existing mortgage. For renovations, the questions centre on the cost of your plans and how you want to pay for them. RFD helps you clarify your needs first. This keeps the focus from falling solely on the loan amount or interest rate when other terms may matter just as much to you.
- Buying your first home: your budget and preparation.
- Your next home: buying, selling and your current mortgage.
- Increasing your mortgage: the purpose, costs and additional payments.
- Changing your mortgage: changes in your life and your loan.
Moving with an existing mortgage? Read how to coordinate your purchase, sale and current mortgage.
Planning renovations or energy improvements? Explore the options and considerations when increasing your mortgage.
Looking at your monthly costs as a whole
A responsible budget goes beyond the amount a provider may be willing to lend. Consider maintenance, insurance, energy and a financial buffer too. Your own wishes matter: how much room do you want to keep for your family, leisure or working fewer hours? We discuss the information needed to consider your income, spending and existing commitments together.
The future deserves attention too. A change in income, the end of a fixed-rate period or a move may affect affordability. This website does not provide a personal calculation or confirmation of acceptance for those circumstances.
Terms make a difference
The mortgage type, term and fixed-rate period affect how your loan develops. Arrangements for overpayments, moving home and making changes may also be important. An offer with an attractive monthly payment is therefore not necessarily the right choice. Ask which costs are payable immediately and what a choice will mean later. This also applies if you already have a mortgage and are considering a change.
Have your circumstances changed, or is your fixed-rate period ending? Read the considerations when changing your mortgage.
A mortgage with self-employed income
Are you self-employed or a sole trader looking to buy a home to live in? Your turnover is not the same as the income a lender uses. Assessable income is based on your financial information and the sustainability of your earnings, such as annual accounts, tax returns and developments in the current year.
NHG uses an Entrepreneur's Income Statement for this purpose. NHG describes options for people who have been self-employed for more than one year. The assessment usually covers several years, or a shorter period for a newer business. An income statement does not guarantee mortgage approval: your commitments, the property and the terms also count.
The mortgage calculator on this website does not independently assess self-employed income. Contact us for a personal assessment. Financing business premises is a different matter from a mortgage on the home you live in.
Is your question about commercial property? Read about a commercial mortgage.
Other purposes require a separate assessment
A rental property and business premises serve a different purpose from a home you live in. They therefore require their own assessment and appropriate finance terms. First discuss the type of property, its intended use and the services you need. Finance availability, terms and tax consequences cannot be inferred from information about an ordinary owner-occupied mortgage.
Managing your mortgage application digitally
Your advice meeting can take place online, for example through Microsoft Teams. This preserves personal contact with your adviser while allowing you to join from another location.
We discuss which digital steps suit your application. Where possible, we obtain the WOZ property valuation digitally and use a digital valuation report, such as a desktop valuation. The valuation method required depends on the property and the requirements for your application.
- Submit income and identity information digitally through Ockto.
- Establish the property value digitally where possible, using an appropriate valuation method.
- Sign documents digitally.
See how we work for the arrangements for information, digital steps and the next stages of your application.
From your question to a conversation
The first introductory meeting at RFD is free. You can discuss your housing plans and questions before starting an advice process. We agree the services and costs for any further work in advance. During the free introductory meeting, we can often discuss an initial estimate of your borrowing capacity. The estimate we can provide depends on the information available.
For a first meeting, a general picture of your plans, income, own funds and existing loan is helpful. You do not need to upload confidential documents through this website. We agree which information will be needed later and how you can supply it securely. Read the Mortgage service comparison card in advance; the specific work and costs form part of the agreement for your own case.
Book an appointment to discuss your housing questions. The general information on this page does not replace personal mortgage advice. A lender assesses an application using the information and terms applicable at that time.
Understanding your housing plans and mortgage type
Want to prepare for a meeting? Read below about buying a home, accessing home equity and the different repayment types. These explanations help you ask questions; we assess what suits you in your personal circumstances.
For first-time buyers: buying your first home, step by step, with a link to the maximum mortgage calculator.
Already own a home? Read how accessing home equity works and why equity is not the same as additional borrowing capacity.
With an annuity mortgage, the balance between interest and capital repayment changes over the term.
With a linear mortgage, you repay an equal portion of the loan each period.
Read what an interest-only mortgage means for your current payments and the debt due at the end of the term.
Have an existing savings-linked mortgage? Explore the relationship between the loan, savings accumulation and tax conditions.
For a property you want to rent out, our explanation of a buy-to-let mortgage covers your own funds, rental income and letting risks.
Moving to the Netherlands
Moving to the Netherlands to live and work? Read our expat guide to mortgages and the 30% ruling.
Services and comparison documents
The service comparison document describes our financial services and the stated costs. We agree the services and costs for your enquiry with you personally.
Frequently asked questions
How much can I borrow?
How much you can borrow for a home depends on factors including your income, the property value, mortgage interest rate and financial commitments. RFD reviews your circumstances and discusses both your borrowing capacity and monthly payments that fit your plans. Include your own funds and any existing mortgage in the conversation. The lender assesses an application separately. During the free introductory meeting, we can often discuss an initial estimate, depending on the information available.
Is the first introductory meeting free?
Yes. The first introductory meeting at RFD is free. We agree the work and costs for any further advice process with you in advance.
Do I need to have a property in mind already?
No. You can discuss your preparations before finding a home. Tell us the price range and monthly payments you have in mind; a personal assessment requires further information.
What information is useful for the first meeting?
An overview of your income, regular spending, own funds and any loans is helpful. If you have a mortgage, also have the key details of that loan to hand.
How much does mortgage advice cost?
See the Mortgage service comparison card. The work and costs for your circumstances are agreed before an advice process begins; this page does not state a general fee.
Can I discuss renovations or energy improvements?
Yes, you can discuss your plans and the financing required. Whether increasing your mortgage is suitable and possible depends on factors including your circumstances, the property and the provider's terms.
Can the mortgage advice meeting take place online?
Yes. An advice meeting can take place online, for example through Microsoft Teams. Agree how you would like to meet when booking your appointment.
How do I submit my income and identity information?
RFD uses Ockto to receive your income and identity information digitally. Within the Ockto process, you see which information you are sharing and actively approve it. Your adviser discusses which information is needed for your case.
Can I sign documents digitally?
Yes, you can sign documents digitally. We discuss which documents are relevant to your case and how to sign them.
Can I get mortgage advice from RFD if I live in Geleen?
Yes. RFD helps residents of Geleen from its office at Poststraat 1 in Sittard. A meeting can also take place online. The first introductory meeting is free; office visits are always by appointment.
Can I apply for a mortgage on my own home if I am self-employed or a sole trader?
This may be possible. Your assessable income requires a personal assessment; turnover alone is insufficient. An Entrepreneur's Income Statement may be relevant under NHG if you have been self-employed for more than one year. We discuss which information and terms apply to your application. The online calculator does not carry out this assessment for self-employed applicants.
This is general information, not personal mortgage advice or a finance offer. Your options and the tax implications depend on your circumstances and the provider's terms. Read the disclaimer.
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Sources for this guide
General information from RFD. Sources consulted on . Rules and terms may change.
What would you like to discuss?
Have a question about your mortgage, insurance or finance? We are happy to help.