Welcome to
Hypotailor
WE PROVIDE CUSTOMIZATION, THEREFORE THE NAME TAILOR
WE PROVIDE CUSTOMIZATION, THEREFORE THE NAME TAILOR
The company that guides you from A to Z with the purchase (in collaboration with various brokers), financing/mortgage of your home and with the sale of your home. We guide this in a large number of different languages. You can see which languages are currently being used by the flags of the countries. The number of languages is constantly being expanded so that we can guide as many people as possible with this important decision!
What does Hypotailor do for you?
Hypotaylor is a mortgage advice office and our independent mortgage advisors will give you personal advice when taking out your mortgage. The advisor mediates between you and the mortgage provider. He looks at which mortgage best suits your situation. The mortgage advisor guides the entire process from A to Z. The most advantageous lender with the most favorable conditions will always be sought for you.
Important when you are going to bid on a house!
In this hectic housing market, it is good to realize the consequences of bidding too high on a home.
It may be that you have to bid significantly more on a home to become the buyer and that when this home is appraised it turns out that the value of the home is not appraised as high as the bid you made. The mortgage provider will never grant a higher mortgage amount than the appraised value and that means that you will have to pay the difference out of your own pocket as well as the buyer's costs. So take a good look at your financial position before you bid and discuss this with the mortgage advisor and the purchasing agent!!!!
Appointment!
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Independent advice.
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Telephone advice while you are at home behind your laptop is possible, of course a personal conversation at your home is also possible.
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You can also make video calls.
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Affordable: closing costs only €2995,- for starters, movers, switchers. For mortgage increases €2250,-. And entrepreneurs pay €350 extra.
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In the event that a language other than Dutch is involved, an additional amount (approx. 250 euros) may be charged to cover the costs of the translator/interpreter.
What you need to know before buying your dream home
Whether you want to buy a home as a starter or a mover: before you buy a house, it is important to orientate yourself well. How much can and do you want to borrow, what will your monthly payments be, are you going for an existing home or a new-build home? A mortgage advisor can help you answer these and all your other questions. The orientation meeting is without obligation and free of charge.
it is time to go house hunting. You can do this on your own, but you can also hire a purchasing agent. Agents have a lot of experience and knowledge of the situation on the housing market. They can help you find a suitable home and make a solid offer. View multiple homes when buying your first home as a starter or mover to find out what you find important in a future home. For example, the area, the number of square meters or a ready-to-move-in home.
with which we have had very good experiences.
Then it is time to make an offer! Do not immediately offer the maximum amount you want to pay, so that there is still room to negotiate. Such a negotiation is very exciting, especially if you are going to buy a house as a starter and it is therefore the first time for you. The purchasing agent is the right person to guide you in this. It is often an additional advantage that it is an unwritten law that selling agents prefer buyers who are guided by a purchasing agent. This significantly increases your chances.
Congratulations! A purchase contract is being drawn up by the sales agent. After signing this contract, you have three days to consider it before the contract is binding. It is now also time to arrange the mortgage for your home as a starter or mover. During an appointment with your mortgage advisor, you will discuss all the important points. For example: which mortgage provider best suits your situation and wishes, how long do you want to fix the mortgage interest rate and what happens in the event of disability or death? After the meeting with your advisor, you will start collecting and submitting all the documents required for the mortgage application.
and starts working on applying for your mortgage. The mortgage provider will then issue an interest rate offer/quote if they do not see anything in the BKR that makes them believe that providing a mortgage is not responsible. In this interest rate offer, the mortgage provider will request a number of documents that they need to assess whether the loan can be provided.
provides all documents, you will receive the mortgage offer: the binding offer. After signing the offer, you can start counting down to the day of passing your mortgage.
or on the day that the notary has scheduled the transfer, you go to the notary. Here, both you and the seller will sign the deed of transfer and you will also sign the mortgage deed. Once you have signed at the notary, the house is officially yours and you can start doing odd jobs and/or moving.
ALSO INQUIRE ABOUT ADDITIONAL INSURANCE SUCH AS DEATH INSURANCE AND/OR DISABILITY INSURANCE IN COMBINATION WITH UNEMPLOYMENT COVERAGE
Contact
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