Finance smarter:
bank + seller together
You borrow part from the bank and part from the seller, both together within your NIBUD borrowing capacity. On the private part you pay 1 2% less interest than at the bank.
🔒 Notarially secured
✓ Within NIBUD standard
⚡ 24hr credit check
💳 Automatic direct debit
How does it work?
You have a NIBUD maximum. The amount that is responsible based on your income. Instead of borrowing it all from the bank, you split it: a larger part via the bank, a smaller part via the seller or an external investor. The two amounts together always stay within your NIBUD maximum. On the private part you pay less interest.
Your financing at a glance
Your NIBUD maximum is € 380,000. You borrow € 300,000 from the bank and € 80,000 from the seller. On the € 80,000 you pay 1 2% less interest.
🏢 Bank mortgage
€ 300.000
📝 Verkoperslening
€ 80.000
📋 Total = NIBUD max
€ 380.000
Two legal forms: u kiest samen
A 2nd mortgage right on your property is not automatic. That is only the case if you together choose the private mortgage. With the private loan the seller has no right to your property.
📝 Private loan
Notarial loan deed. The loan is legally enforceable, but no mortgage right is established on the property.
| Mortgage right on property | No |
| Land Registry entry | No |
| Notary costs | Lower |
| Common for | Smaller amounts |
| Lender security | Via the courts |
🏠 Private mortgage
Notarial mortgage deed. The lender receives a 2nd right of mortgage on the property, registered in the Land Registry.
| Mortgage right on property | Yes, 2nd rank |
| Land Registry entry | Yes |
| Notary costs | Slightly higher |
| Common for | Larger amounts |
| Lender security | Via Land Registry & courts |
Both forms are notarially secured and legally enforceable. You make the choice together. Notary costs for the deed are exclusive of the mediation fees of Verkoperslening.nl and vary per notary. You make the choice together.
Both forms are recorded by the notary, preferably the same notary who handles the property transfer. Notary costs for the deed are exclusive of the mediation fees of Verkoperslening.nl and vary per notary. You choose the loan type together.
Persoonlijke begeleiding
We guide you from application to key handover.
None callcenter, geen chatbot. U heeft altijd direct contact met een adviseur.
Nom contact op →
Done in four steps
Step 1
Register & match
You register. We match you with a suitable seller or investor based on income and property.
Step 2
BKR & credit check
Independent BKR check and income assessment. Risk score transparently visible within 24 hours.
Step 3
Notary & akte
The loan is notarially secured. You choose the loan type together. With private mortgage aso Land Registry entry.
Elke maand
Automatic management
Verkoperslening.nl collects via SEPA direct debit and automatically transfers to the lender. Portal for both parties.
Uw newe thuis
Klaar voor uw volgende stap?
Register for free. Wij zoeken de beste match voor u.
Register as koper
FAQ
Kan ik hiermee meer lenen dan mijn NIBUD-maximum?
No. Bank mortgage and seller loan together always stay within your NIBUD borrowing capacity. It is a different distribution of the same maximum. No extra debt.
Does the seller get a mortgage right on my property?
That is your joint choice. With the private loan the seller has no right to the property. With the private mortgage the seller receives a 2nd mortgage right, registered in the Land Registry.
Do I pay less interest than at the bank?
On the private part (the seller loan) you usually pay 1 2% less interest than on your bank mortgage. On the bank part you pay the regular bank rate.
What does the mediation cost?
The buyer pays a one-time mediation fee to Verkoperslening.nl. There are no recurring costs for the lender. All amounts are communicated transparently in advance.
