Fixed-rate period ending, rates dropped, or want to unlock equity? Your advisor checks whether refinancing actually saves you money. We walk you through every step in English or Dutch. We advise on your mortgage. We take on the tax that follows. Foreign income or an ending 30% ruling? That is part of the check.
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What refinancing means
Refinancing, or oversluiten, means replacing your current mortgage with a new one, either at your current lender or a different one. Whether it saves you money depends on the gap between your current rate and today's best rate. From that gap you subtract the oversluitkosten (the refinancing costs). Those are the boeterente (the early-repayment penalty) your current lender charges, plus notary and advice fees. As an indication, a boeterente often comes to between €3,000 and €15,000.
Advice, application and closing. We advise on the refinance and compare the lenders that fit. We run the break-even calculation. Our associated company arranges the new mortgage.
You keep the home. Our associated company arranges the switch. We know which lenders accept foreign income and an ending 30% ruling. The lender you pick matters, because each one counts foreign income differently. On the tax side, we handle your boeterente deduction.
Refinance fit check
Three quick questions, no personal details. We line up your next step: book your review or run the quick scan.
Pick the one that fits best, we refine in the next step.
You tell your advisor your current mortgage and your goal. Your advisor tells you straight whether refinancing is likely to pay off. They also check your mortgage interest deduction. Your NHG eligibility is confirmed as well. NHG is a government-backed guarantee for your mortgage.
The whole Dutch market is checked on rates, conditions and fees. You get the three best fits, shortlisted for you.
We advise on the mortgage. Our associated company arranges it and takes it out with you.
The notary confirms the date. Your old mortgage closes and the new one takes its place.
Answer a few questions about your current mortgage and your goal. You get an indicative saving and a clear next step, with no registration needed.
Indicative only, your advisor confirms the exact figures.
Your indicative result
ExamplePossible monthly saving vs your current fixed-rate · 15-yr fix at today's best rate
Indicative breakdown
Current mortgage
€1,950 / mo
monthly, today
Today's market best
€1,638 / mo
15-yr fix
Oversluitkosten (switching costs)
≈ €6,800
boeterente + notary + advice
Break-even point
22 months
when the saving covers the costs
Time to saving
≈ 6 to 8 weeks
from review to lower payment
Recent results
Real clients, real numbers. Each figure is that client's own result, not a promise of yours.
Priya & Arjun · Amsterdam
Our fixed rate was ending and rates had dropped. Our advisor ran the break-even, showed us the boeterente was worth paying, and handled the switch.
Sofia · Rotterdam
I thought refinancing would be a hassle. One review, a clear comparison, and my monthly payment came down.
Lena & Diego · Utrecht
We wanted to renovate. Our advisor refinanced and arranged a raise in one plan, so we could build the extension we had put off.
“I will tell you if it is worth it. Even if the answer is not now.”
Tim van Hulst
Your advisor
Tim works for A&H Finance, our associated company, and advises you on behalf of TaxSavers. He guides you from the first calculation to signing and is who answers when you call. His Wft diploma is the Dutch qualification for giving mortgage advice.
Message an English-speaking advisor.
Speak to a mortgage advisor about your refinance.
Send your question and get a written answer.
Your bank renews on its own terms. Nobody tells you whether another lender sits better.
Lenders compared
Selected lenders shown. Availability depends on your situation. Advice and arrangement come from a licensed mortgage advisor.
Pricing
The fee for this advice is in your quote, not on this page.
STAYING WITH YOUR LENDER
A check on whether renewing at your current lender is genuinely your best move.
SWITCHING TO A BETTER RATE
The lenders that fit get compared, the break-even run, and the switch guided to completion.
REFINANCING AND RAISING EQUITY
One plan for the refinance and the equity raise, built for a renovation or extra borrowing.
The fit check, quick scan and 30-minute review are free. No card, no catch.
Boeterente is set by your current lender and is not part of the advice fee. Notary fees are billed separately. See how we're paid →
We give the mortgage advice. The application and closing run through our associated company. Do you have a complaint about the advice? Raise it with us first. If we do not reach a solution together, you can take it to Kifid, the Dutch complaints institute for financial services. A Kifid ruling is binding.
Reviews
Kaylee from TaxSavers was of great help with relevant advice and always on time. Appreciate the service.
Great service. Professional, friendly and fast. Highly recommend them for all your tax needs.
Being new to The Netherlands, filing my personal tax return was a little daunting. Jessy at taxsavers was an excellent guide and incredibly helpful.
Frequently asked
The questions we hear most in a first review. Yours not here? Ask your advisor
Refinance your mortgage
Tell us your goal. Your advisor takes it from there.
What's included
A dedicated advisor
A fixed price, agreed before you start
Help in English or Dutch
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