Buy property
How do I get my mortgage done before I start looking?

Bidding on a home for sale with financial security

The housing market is more competitive than ever. After all, how do you beat the move-throughs and competition as a starter? Being creative is key in that. And we can help. With our mortgage certificate, you increase your chances of getting that first home. Offer with 100% certainty by completing your mortgage in advance.

From uncertainty to certainty

Making an offer without a financing condition is increasingly common. But certainly not without risk. Can't get the financing? Then you have to pay 10% of the purchase price. A serious chunk of money.

Would you like to bid as a starter without this risk? Then our mortgage certificate is your safety net to beat the competition. Good to know: this certificate is part of our purchase assistance.

Why the starter certificate is for you

an illustration of two shaking hands
Upfront mortgage in your pocket

Know your bid, win your spot. Once your bid is accepted, the house is practically yours.

an illustration of a magnifying glass
Greater chance of an accepted bid

You have a stronger position compared to others who bid with reservation of financing.

An illustration of a person wearing a crown
From doubt to 100% certainty

You can buy with a mortgage that gets you 100%. That's unique compared to insurers and other certificates.

an illustration of a key
You are no longer at financial risk

You don't have to worry about paying 10% of the purchase price if you bid without the reservation of financing.

How does the certificate for starters work?

Create a search profile

Leave your housing preferences such as location, price range and type of home. Based on your wishes, we will automatically forward you suitable homes.

Telephone introduction

During a no-obligation call, we explore your situation and need five documents from you, including pay stubs, annual statement and a BKR statement to do an initial financial check.

Conversation mortgage advisor

This is a comprehensive interview in which your personal and financial situation is thoroughly reviewed. Based on the documents provided, the advisor calculates how much you can borrow and under what conditions.

Your mortgage around before you look

With the completion of these steps, you will receive a mortgage certificate that is valid for 6 months. This allows you to buy without financial risk and with security upfront.

No items found.

Purchase of an exclusive homeup property

For when you're waiting for your dream house

€6.499,-
€ 5.999,-
Exclusive house from homeup
(not available on funda)
Full purchase guidance: from start to key
Fixed purchase price: overbidding unnecessary
Priority for starters
Free initial mortgage consultation
Mortgage certificate: getting your mortgage done before you start looking
Pay only when you get the key
Register for free
With us, you have an average of 8 fewer competitors when viewing a property.

Online purchase guidance so you buy a house faster

Want to not only look around our exclusive offerings, but also keep your eyes open on the public housing market? Then engage us as your buying agent.

We know the market and your struggles as a starter very well. If we start working for you as a buying agent, you will have priority over our exclusive offer of homes and we will also help you search through Funda and other platforms for a home that matches your living wishes.

€ 2.999,-
€ 2.749,-
Public market housing
(Also priority on our exclusive offers)
Online guidance
Review of legal documents
Free initial mortgage consultation
Mortgage certificate: getting your mortgage done before you start looking
Pay only when you get the key
Fixed purchase price
Along with the viewing
Register for free
Buyers at homeup buy on average 3 months faster.

More stories of first-time buyers who thought it was impossible to buy a home

5

Really great help from Sake with the purchase of our first house. Buying a house can be very stressful at times. Sake has a lot of expertise and is always calm which is very nice at such moments ;) he is easy to reach and switches very quickly. In addition, he put us in touch with several relevant parties which made the whole purchase go smoothly. I will definitely use homeup again the next time we buy a house!

Rixt Kleinjan
5

Great Experience. I had been looking for an apartment for almost 8 months before Nobel Mortgages recommended Sake from homeup to me and the purchase process was resolved pretty quickly after that. I had always thought that hiring a real estate agent was unnecessary and that I could just do it myself, but having a professional handle the negotiations and purchase had a great and very favorable impact on the final price for me.

Nicholas Hogan
5

I had a very good experience with Homeup when selling my apartment in Amsterdam, and then also when buying a new apartment. The sales process went smoothly and I got a decent price for my apartment. Everything was very well organized by Homeup. Sake from homeup was extremely professional and showed a lot of commitment. He was active and proactive in the sales process, so everything went smoothly. I can definitely recommend homeup to anyone who wants a smooth selling experience when selling their apartment.

Saman Z
5

When we were told that we would have to leave our (sub)rented house within a short period of time and there was nothing affordable to find in the rental sector, panic set in. The fear of ending up on the street with our 7 dogs was real and our intensive search yielded nothing time after time. At one point I responded to a rental property that was offered by HoMeUp and (for the first time ever) within a short time I was called by the real estate agent. He told me honestly that we had a number of dogs, that we were missing out on everything and that I was close to despair.

Billy was a tower of strength, reassuring me every time I lost hope that we would find something in time, even though it would be a challenge (he was honest about that too). We ended up buying rather than renting, exactly in the neighborhood where we wanted to stay. Thanks to Billy Brouwer of HoMeUp and his mortgage advisor Louis Collignon, we now have a lovely home, despite our rather limited budget and our pack of dogs.

A challenge, that's what we were, but one that Billy and Louis took on with enthusiasm and they proved to me that the world is not yet over. I am forever grateful and will recommend you to anyone who is looking as hard as we were.Thank you both so much, especially for your moral support and approachability.I have been able to rely on you both completely, thank you.

nienke grimminck
5

I am a foreigner living in the Netherlands, and working with Sake as my real estate agent was an absolute game-changer. Making a big decision, like buying a house abroad, can be difficult, but he made sure the whole process went smoothly.

From the beginning, he took the time to understand my needs and concerns, especially given my unfamiliarity with the Dutch real estate market. He provided clear and comprehensive explanations of each step and was always available to answer my questions, no matter how small.

His expertise and knowledge of the local market were invaluable and definitely helped me secure a fantastic home at a great price!

Flavia Bittencourt
5

Sake helped us close on our dream home, where we didn't get a viewing until the day of the bid closing.

Although it was slightly outside his scope of work and not the most interesting offer, he managed to convince the selling broker to recommend us to the seller.

I would recommend him to help other expats in their search for a house in the Netherlands.

Rama Wicaksana Cahyo Nusantara
5

As an American living in the Netherlands, I was convinced that owning a house in Amsterdam was a distant dream, especially given the competitive market and my budget. I had all but given up on the idea of buying a home, thinking it was simply unfeasible. Until I met Sake from HomeUp.

From the beginning, Sake was not only knowledgeable and professional, but also incredibly supportive and reassuring. He took the time to understand my concerns and understood what I was looking for in a home. Despite my initial doubts, he encouraged me to trust the process, and I am so grateful that I did.

Thanks to Sake's guidance, I am now a proud homeowner in Amsterdam - something I never thought possible as a millennial, especially in this market. His expertise and dedication made what seemed like an impossible task not only achievable, but smooth and stress-free.

If you want to buy a house in the Netherlands, I can highly recommend Sake and HomeUp. He made my dream of owning my own home a reality, and for that I will always be grateful!

Garrett Vanderwielen
5

Within 2 months we had found our home! In terms of costs and benefits, HomeUp is an excellent choice. We were very clear about which package was most beneficial to us. Should (or when) we decide we need to switch, we will definitely choose HomeUp again.

Thanks!!!

María Méndez Guillén
5

We can highly recommend Sake from Homeup B.V.! His support was fantastic from the beginning. He took the time to understand our wants and needs for a new home and his communication was crystal clear throughout the process. Thanks to his ability to explain everything in an understandable way, we never felt lost or confused, even as expats who don't speak Dutch.

In the end, we won our dream home with a successful bid and we are convinced that this would not have been possible without his expertise. Not only did he secure the house, but he did it efficiently, making the process run smoothly and avoiding unnecessary delays.

The icing on the cake? Sake works with fair and honest prices. We are thrilled with our new home and thank Sake for his incredible service. If you are looking for a real estate agent who is helpful, communicative, competent and gets the best results, look no further! My husband and I will definitely recommend Sake to all of our close friends.

Diana Contó

Frequently asked questions about our starter mortgage certificate

Questions, doubts, vague real estate jargon: when you're about to buy a house, there's quite a lot on your mind. In addition to personal advice at every step of the process, we answer all your pressing (as well as less pressing) questions.

Why is such a mortgage certificate worthwhile?

A big well-known bank is already taking a look at your finances before you go on the market. As soon as we find your dream home, they immediately give the green light. So the stress of getting your mortgage done disappears like snow in the sun.

How do I get a mortgage certificate?

You do this by creating a free search profile with us and then scheduling a phone interview with us. In that meeting we will discover together whether the certificate suits your needs and situation.

Are you at financial risk if you bid with a mortgage certificate?

Normally you pay a penalty of 10% of the purchase price if for some reason you can't get your mortgage done. With the mortgage certificate, this is not the case. Your mortgage is pre-approved. All that's left is an accepted offer.

When is the mortgage certificate something for me?

If you want to be one step ahead of the competition when making an offer, this mortgage certificate is really for you. No more worrying about mortgage stress. With certainty, you can make an offer without the reservation of financing. This significantly increases your chances of success.

How many times may I bid with your mortgage certificate?

Unlimited!

How long is the mortgage certificate valid?

Our certificate is valid for a maximum of 6 months.

What if something changes in my financial situation?

Of course, your financial situation could change. Should that be the case, schedule a new meeting with Nobel Mortgages to find out what this means for the mortgage certificate. This is applicable, for example, if you get a salary increase, because that means more borrowing capacity. We can then increase the amount of the mortgage certificate as well.

Can't figure it out?

Makelaar

Sake van der Oord

A photo by Billy Brewer
Makelaar

Billy Brouwer