Mortgage for 2nd home
Taking out a mortgage for a second home is a challenge that we do not shy away from. Receive independent and customized advice.
Mortgage for second home
Taking out a mortgage is a lot more difficult than with a first home. We investigate what is possible and whether all additional conditions are met. We never give up and always look for the best solution.
Take the free mortgage scan
Taking out a mortgage is not something you do lightly, it is a decision you make for the long term. There is a good chance that there will be circumstances during the term that could lead to adjusting the mortgage in the meantime being a smart choice. Just think of the sharply lower mortgage rates, the adjustments in deductibility, a reduction in pensions and perhaps your personal situation has changed.
What is the result of all these changes? Is your mortgage still suitable for your current situation and wishes for the future? Can you save on your monthly payments? With the mortgage scan we can map this out well.
With the free mortgage scan you will quickly discover:
Mortgage advice and closing costs
Mortgage advice rate for 2nd home
As a private individual or entrepreneur, you want to take out a mortgage for a second home. We provide an affordable and suitable mortgage and take all the work off your hands.
€ 2.995
Free: Bouvy's unique pre-advice (for a mortgage for a second home)
An exploratory meeting is always free. With Bouvy's unique preliminary advice, you will receive free and completely independent advice on all financial issues you want an answer to. Whatever your financial issue, our preliminary advice offers an initial outcome and is the starting point for further decisions in the area of buying a house, being able to stop working earlier, taking out insurance and financing.
- In the first free orientation appointment you can present all your financial questions to us. Together we look at your wishes, objectives and also your risk appetite. For now and for the future.
- After this, we will provide you with a list of information that we need from you in order to get started for you.
- After we have investigated everything and worked out our advice for you, we will invite you for a second interview. In this interview, we will go through our advice together and answer all your questions.
- We can then develop the preliminary advice and convert it into concrete actions, such as purchasing a house, taking out a mortgage, taking out insurance or other financial products.
After you decide to do business with us, we will deduct the costs of the preliminary advice from the costs of the final mortgage. The costs will only be charged if you do not use our services after the preliminary advice.
The rates for this preliminary advice if you subsequently decide not to purchase a product or service:
Private: €250
IB entrepreneur: €400
Mortgage advice and tax (benefit)
There are several items that are deductible from income tax. If you include the deductible costs in your tax return, you will pay less income tax.
Advice and closing costs for a mortgage, such as our services, are tax deductible. However, only if the mortgage interest is also. If you have had mortgage advice and you decide not to take out a mortgage, you may not deduct the advice costs for income tax.
Below are the costs for purchasing, maintaining or improving a house that are and are not deductible from your income tax.
Deductible income tax expenses:
Non-deductible income tax expenses:
Additional work
Special situations require more time. We make clear agreements about this in advance, so that you are not faced with any surprises.
Internal conversion €600
For a change within the current mortgage, such as changing the repayment method, taking out an additional loan portion for a renovation or interest averaging.
Application to additional lender € 295
In special cases, an additional application can be submitted if you wish to speed up the application process or increase the chance of acceptance.