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.
Our mortgage certificate is valid in cooperation with
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
Upfront mortgage in your pocket
Know your bid, win your spot. Once your bid is accepted, the house is practically yours.
Greater chance of an accepted bid
You have a stronger position compared to others who bid with reservation of financing.
From doubt to 100% certainty
You can buy with a mortgage that gets you 100%. That's unique compared to insurers and other certificates.
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.
Purchase of an exclusive homeup property
For when you're waiting for your dream house
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.
More stories of first-time buyers who thought it was impossible to buy a home
Highly recommended. I used their services to assist me in purchasing a home. Their quick response, attention to detail and availability made all the difference in my bid and purchase of my home. My realtor was Sake, a fantastic realtor, super efficient and always willing to discuss any concerns and offer his own opinion.
Homeup offers excellent service during your house hunt. Sake is very professional and experienced and gives the best advice. Billy is also exceptional and is always ready to help. I highly recommend Homeup and their services.
We recently purchased a home through Home UP and it really went flawlessly. Billy's clear explanations and honesty allowed us to know immediately what we needed to consider, what costs would be incurred and allowed us, as first-time buyers, to learn what it is like to buy a home. Billy was always easy to reach and responded directly and clearly which gave us a lot of peace of mind. Thanks to Home UP we were able to make the start we were so looking forward to and because of their concept we as buyers did not have to worry that someone would outbid us far beyond our budget.
Sake was just fantastic. As an expat buying a house in Amsterdam, it was a world we didn't fully understand. Sake helped us every step of the purchase process, making it an easy and relaxing experience. I will definitely use Sake again for his services.
Through Billy from Homeup, my apartment sold very quickly (within 3 weeks). I was approached by him and wanted to give this way of selling a chance. I haven't regretted it for a moment. Billy is very committed, honest, precise, easily accessible and does what he says. In short, a very competent and reliable real estate agent. I really like Homeup's commitment to first-time buyers and it is very nice that viewings are serious because they are already known to Homeup and pre-screened on their finances. This allows a sale/purchase to be completed quickly. And that's how it went! I have found this cooperation to be very positive and recommend Homeup and this way of selling to everyone.
Very nice contact with Sake as the selling party's broker! Approachable and quick communication and always enthusiastic & friendly. He was available for all tips and questions I had as a starter. Fine first experience in the housing market!
Great experience, Sake and Billy were incredibly helpful throughout the entire process, from the first meeting, where Sake explained to us how buying a house in the Netherlands works, to the signature at the end of the notary appointment for the key transfer.
They made a huge difference, especially in the bidding process, where we were able to be competitive and eventually secure our new apartment in Almere!
Thank you so much to Sake, Billy and the whole HomeUp team for the great support! I would recommend them to anyone interested in buying a home/apartment.
Keep up the good work, guys!
Sake was very helpful from the first moment I met him. He charges reasonable rates and helped me find the apartment I wanted in one go. He really knows how to deal with an expat and arranges everything without too much hassle for people who are new to the Dutch real estate market. He also put me in touch with a mortgage broker who offered us a very reasonable interest rate (the lowest you can get in the current market conditions). I highly recommend everyone to consult Sake during their real estate purchase, especially in a competitive market like Amsterdam.
I worked with Sake on the purchase of my first apartment here in Almere. I think it was a tremendously effortless process for me because everything was so well taken care of. Sake is a great real estate agent and can highly recommend him, especially to new buyers.
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.
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.
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.
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.
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.
Unlimited!
Our certificate is valid for a maximum of 6 months.
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?

Sake van der Oord

Billy Brouwer
Send a WhatsApp to or call
at +31 (0)6 25 05 61 17.