When (and why) shoud you refinance your mortgage?
There are several reasons why you should refinance your mortgage. In some cases, it can help you save on your monthly payments, while in others, it allows you to secure better mortgage conditions or terms.
Refinance your mortgage:
If interest rates have gone down since you got your mortgage, refinancing could help you lock in a lower rate and cut your monthly payments.
If you want to shorten your loan term and pay off your home faster.
If your living situation has changed — let’s say you want to move in with your partner or relocate — you can refinance your residential mortgage to a rental mortgage.
If you want to switch from a variable to a fixed interest rate (or vice versa).
If you want to access your home’s equity — for example, to fund renovations, buy a second property, or cover expenses such as a car or a holiday home — refinancing could be a smart solution.
In the event of a separation or divorce, you may need to refinance your mortgage so that one partner can take over the loan if you decide not to sell the property.
Smarter mortgage refinancing starts with OHAO
If you are wondering whether refinancing your current mortgage could save you money or improve your financial situation, you are in the right place. The OHAO mortgage team specialises in making refinancing simple, clear, and perfectly tailored to your needs.
Here is how we help you:
We start with a free, no-obligation call where we get to know your finances and understand why you are considering refinancing. This call is all about you—your goals, your questions, and your best options.
You can expect a detailed analysis of your current mortgage, a calculation of any early repayment penalties if applicable, a personalized new mortgage offer, and full guidance through every step, depending on your refinancing reason. Do you have any questions? Contact us today.
- Competitive advice fees from €2,795
- Expat mortgage brokers
- Clear, fast, and personal guidance
How much does refinancing cost in the Netherlands?
The cost of refinancing depends on your reason for doing so. Contact our team — we will calculate whether refinancing makes financial sense for you.
What is your reason for refinancing? Are you seeking a lower interest rate or a different mortgage product, such as a rental mortgage?
If your current mortgage lender can offer you a lower interest rate or alternative mortgage products—such as a rental mortgage—that’s ideal, as it may allow you to save on closing costs.
However, not all lenders work with investments mortgages. In such cases, you will need to switch to a new lender, and a mortgage advisor can help you find the best deal.
If you are refinancing with a new lender, you should be prepared to pay for:
Early repayment penalties (if applicable)
Mortgage advisor fees
Property valuation costs
Notary fees
Note: Some of these costs are tax-deductible in the Netherlands.
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