Real estate financing

Professional mediation in real estate financing

Mortgage for a second home to buy a dream holiday home

Do you have a holiday home or second home in mind? Buying a holiday home is a dream of many. It's also great to have an extra place to enjoy your free time. Buying a second home requires a solution that suits your goals, wishes and personal situation. Trifium's accredited mortgage advisers will be happy to look into the possibilities with you. One such possibility is a special second home mortgage. But other forms of financing are also possible, such as a personal loan or financing with own resources. Our specialised advisors and credit analysts know the market like the back of their hand and will provide you with quick and adequate answers to all your questions. Because you might only buy a second home once in your life.

A mortgage for a second house/home at Trifium:

  • Solutions that fit your goals, wishes and personal situation;
  • Various forms of financing are possible;
  • In-depth knowledge of the market and the possibilities;
  • Mortgage for your second home;
  • Personal loan;
  • Financing from own resources;
  • Financing with a loan from a private company.

Finance holiday home from own resources

Do you have savings or a stock portfolio? Then there is a possibility to finance the holiday home with your own resources. Today, savings interest rates are low, so investing your savings in a holiday home is a smart solution. The big advantage of financing with your own resources is that you do not have to take out a mortgage for your holiday home and therefore do not have to pay interest. In addition, you get more out of your savings this way. After all, you currently receive around 0% interest on your savings. By investing this money instead of taking out a mortgage on your 2nd home, you save yourself around 3% mortgage interest and thus get returns on your savings.

Holiday home mortgage

If you do not have sufficient own funds, Trifium Hypotheekadviseurs can help you with a mortgage for your holiday home. There is a difference between a mortgage on a first house and a mortgage on a second house. In the latter case, the interest rate will be higher. Fortunately, interest rates are currently low. Nevertheless, there are some disadvantages to a mortgage for a second house/home. Sometimes the bank charges an interest surcharge, for example, and the second home is often not fully financed. You can assume 60 to 70 percent of the market value. The home must be in the Netherlands.

Finance your holiday home with a personal loan

Do you want to buy a holiday home or chalet? Then you can also choose to take out a personal loan, where you receive the full amount from the bank on your account at once. You repay the loan with a fixed amount each month. The disadvantage: the interest rate for a personal loan is often higher than for a second mortgage. This is because the second house does not serve as collateral here.

Financing your holiday home with a loan from your private company

Do you have your own company? Then it can be interesting to finance your second home from this. You then basically lend money from the company to yourself as a private person instead of taking out a mortgage for your holiday home. You can also arrange financing via a mortgage provider from the company. Trifium Hypotheekadviseurs will be happy to inform you in advance about the tax conditions attached to this loan.

A mortgage for a second home or a mortgage for your holiday home? Financing from your own resources or a loan from your private company? Our experienced advisors will work with you to determine the best option to finance your dream second home. Make an appointment for an introductory meeting without obligation or call us for more information on phone number 020 - 67 22 109.

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