Independent advisor

As an independent financial advisor, Thijs helps you make the right choices for the future. His goal is to protect you from the unexpected. Thijs is known for his personal approach as he believes that’s key for any collaboration. “Only that way I can best contribute to the growth of your asset.”

He has been a trusted personal adviser for many clients for years now. As a person Thijs is highly driven and focused on achieving his goals. He doesn’t easily accept ‘no’ as an answer and they always finds a way.

Mortgages, insurances and financial advice 

Thijs is your go to person when it comes to advice on both personal and business mortgages, insurances, annuities, financing and all other financial issues. He’ll thoroughly asses your situation and / or business to develop creative, comprehensive, cost-effective solutions that fit your needs. He’ll give you clear insight in your current situation and gives you solid advice on your must haves, should haves and could haves.

Bouvy Advies is specialized in insurances (personal, business, rental property, self-employed), mortgages (first and second mortgage, commercial real estate financing, self-employed), funding and annuities. As an entrepreneur himself he’ll naturally understand your business needs. He can also provide in premium insurances for villas, sports cars, fine arts etc.

Bouvy Advies  is there to translate all complex matters into understandable language and takes care of the whole shebang.

Without any obligation, schedule a call or an appointment at his office in Blaricum for a chat about your specific financial needs.

You’ll find my contact information here.

See the resemblance?
  • Our logo: 
  • Honey Badgers are fearless, driven and focused on reaching their goals, not easily taking ‘no’ for an answer.
  • Check the Video on the right

Do you need an insurance as an English speaking individual in the netherlands ? We can make a free quotation for you. It only takes a few minutes.

Mortgages

We work together with Expat Center to help our international clients achieve their goals.

The best mortgage for an expat depend on lifestyle and personal circumstances. With some Dutch mortgages, you have to start paying off the loan immediately along with the interest, whereas other mortgage types allow you to postpone repayments and only pay the interest instead.

Since the changes in 2013, the only kinds of mortgages that are eligible for the interest tax deduction (renteaftrek) are annuities and linear mortgage models, whereby the loan is repaid within 30 years via monthly repayments.

Annuities mortgage (annuïteitenhypotheek)

In the early years of an annuities mortgage, your monthly payments are largely made up of interest and a small part loan repayment. Over time, as you gradually decrease your debt, the amount of interest you pay also decreases. Towards the end of the mortgage period, the balance reverses meaning you pay lower interest payments and higher loan repayments.

In the early years of the mortgage period, the annuities mortgage usually has lower monthly payments than a linear mortgage.

Linear mortgage (lineaire hypotheek)

With a linear mortgage you repay a fixed amount every month, plus the interest. Your debt is reduced every month, which also reduces the interest. A linear mortgage is useful when you want to pay off your mortgage as quickly as possible, although initial repayments are relatively high.

Other Dutch mortgage models

Alternative Dutch mortgage models are mainly variations on annuities and linear mortgages. However, if you take out one of these mortgage forms, you may no longer be entitled to mortgage tax relief.

Interest-only mortgage (aflossingsvrije hypotheek)

With an interest-only mortgage you make no repayments on the loan, instead you just pay interest on a monthly basis. Banks only permit this kind of mortgage under certain circumstances, and you will need to repay the capital at a later date from savings or investment accounts.

Credit mortgage (krediethypotheek)

A credit mortgage loan is a flexible mortgage. Similar to a normal bank account you can withdraw and deposit money. You pay monthly interest on the amount you borrow, which depends on the value of your house.

Investment mortgage (beleggingshypotheek)

With an investment account mortgage, you invest a certain amount into an investment or stock market account. This amount can be a lump sum or a monthly or annual premium.

Life insurance mortgage (levenhypotheek)

This mortgage combines a loan with a life insurance policy. You pay a monthly or an annual premium for life insurance plus interest on the loan. Over the mortgage term, you do not pay off your debt but it is redeemed at the end of the term via the life insurance. There is also a guaranteed version of this mortgage with a guaranteed return that enables you to repay the loan at the end of the term.

Savings mortgage (spaarhypotheek)

This type of mortgage offers a high level of security by linking a savings account to your mortgage. You pay interest monthly and, instead of repayments, you deposit money into the linked savings account with a fixed interest rate that is equal to your mortgage interest rate. At the end of the mortgage term, you repay the mortgage from the savings account.

Hybrid mortgage (hybride hypotheek)

A combination of interest-only, savings and investment mortgages. You make interest payments but you have flexibility in how you generate the capital to repay the loan. During the course of the mortgage term, you can switch between saving and investing, taking advantage of low-interest rates and investment opportunities, or seeking less risk in a savings account.