Your Beumer
mortgage advisor

Available mortgage types

To benefit from tax advantages, it’s essential to choose a mortgage that involves immediate repayment. The primary types to consider are:

• Linear Mortgage: This involves repaying the loan amount in equal monthly instalments, leading to full repayment by the end of the term. Each payment comprises a fixed principal amount and a decreasing interest portion, resulting in gradually lowering gross monthly payments. Consequently, if you qualify for tax deductions, the deductible amount will also decrease over time. Monthly payments may vary if the interest rate changes.
• Annuity (Repayment) Mortgage: With this option, you pay a consistent amount each month throughout the mortgage term, divided between interest and principal repayment. Initially, the payments consist mainly of interest, with the principal portion increasing over time. This structure ensures full repayment by the end of the term. For those eligible for tax deductions, net monthly payments are lower at the start but gradually increase as the deductible interest decreases due to ongoing repayments.

How can we assist?

Although mortgages are typically arranged after an offer on a property is accepted, it’s wise to explore your mortgage options beforehand. Our partnership with De Hypotheekshop Utrecht-De Meern allows us to provide independent, personalised mortgage advice. We can assess your maximum borrowing capacity and identify the most favourable mortgage options tailored to your financial situation. Additionally, we can connect you with experienced real estate agents to assist in finding your ideal home.