A NIBC mortgage tailored to your situation
The benefits of a NIBC Mortgage:
✓ Maximum mortgage is 106% of market value.
✓ Automatic interest rate reduction.
✓ Desktop Valuation for purchase, refinancing, increasing, and bridging finance.
✓ Free bank guarantee with final offer.
With the NIBC Extra Mortgage, the benefits of the NIBC Mortgage apply, plus the benefits below:
✓ Portability within 9 months.
✓ The interest rate offer is valid for 12 months.
Mortgage for first-time buyers
You are about to buy your first home—how cool is that! It is perhaps the biggest step you have taken so far. And perhaps also one of the most beautiful. The Droomstart Mortgage is designed especially for this moment. For you, when you enter the market for the first time.
Our mortgage repayment options
Annuity mortgage
With an annuity mortgage, you pay a fixed amount per month consisting of a portion of interest and a portion of principal repayment. As long as the interest rate and the term do not change, this amount remains the same.
Linear mortgage
If you choose a linear mortgage, you pay principal and a portion of interest monthly. Every month, you pay the same amount in principal repayment. As a result, the mortgage debt decreases in a straight line (linearly), as do the interest costs. At the end of the term, the mortgage is fully repaid.
Interest-only mortgage
An interest-only mortgage is a type of mortgage where you only pay interest until the maturity date. Because you do not make principal repayments, you must repay the loan in a single lump sum on the maturity date. Your mortgage debt remains the same throughout the entire term, unless you choose to make repayments along the way.
Compare our repayment options With an annuity mortgage, you pay a fixed amount per month consisting of a portion of interest and a portion of principal repayment. As long as the interest rate and the term do not change, this amount remains the same.
Linear mortgage
If you choose a linear mortgage, you pay principal and a portion of interest monthly. Every month, you pay the same amount in principal repayment. As a result, the mortgage debt decreases in a straight line (linearly), as do the interest costs. At the end of the term, the mortgage is fully repaid.
Interest-only mortgage
An interest-only mortgage is a type of mortgage where you only pay interest until the maturity date. Because you do not make principal repayments, you must repay the loan in a single lump sum on the maturity date. Your mortgage debt remains the same throughout the entire term, unless you choose to make repayments along the way.
0.10% interest rate discount for energy label A
Are you buying a home with a valid registered energy label A or higher? Then you will receive a 0.10% interest rate discount for a fixed-rate period of up to 10 years. For a longer fixed-rate period, you will receive a 0.03% interest rate discount. Do you have a home with a lower energy label? Upgrade to energy label A within 24 months and still benefit from the discount!
Why a NIBC mortgage?
Maximum mortgage
The maximum mortgage amount for the NIBC Mortgage is €1,000,000, and for the NIBC Extra Mortgage it is even €2,500,000, up to 100% of the market value.
Automatic interest rate reduction upon repayment
At NIBC, paying off is rewarded. If you make (extra) repayments on your mortgage (without NHG), your interest rate automatically drops as soon as you fall into a lower risk class.
Find a mortgage advisor
Do you want to know if a NIBC mortgage suits you, or do you want to know exactly how much you can borrow? Then go to an independent mortgage advisor . A mortgage advisor will review your personal situation and provide you with tailored advice.
You can easily make an initial appointment via our website; the first (orientation) consultation is often free.
Make an appointment You can easily make an initial appointment via our website; the first (orientation) consultation is often free.