Choosing the right kind of mortgage
If you're a property owner, spreading your interest-rate risk by combining short- and long-term mortgages is essential. It would be best to find the right combination of mortgages for your needs to do this. In this article, we'll let you choose the right type of mortgage, define your mortgage profile, and consider interest rate levels and trends.
Fixed mortgages
Fixed mortgages offer greater planning security and protect you from rate rises, but you don't benefit from any rate cuts.
SARON mortgages
Short-term mortgages, or SARON mortgages, allow you to take advantage of periods of low or falling interest rates, but you must also accept upward fluctuations.
How do you pay off your mortgage?
Define your mortgage profile.
To find the mortgage mix that's right for you, we recommend that you define your mortgage profile. In an interview, we analyse your financial behaviour, risk appetite and interest in the financial market. We will create a mortgage package tailored to your needs based on your situation.
Consider interest rates and trends.
The mortgage rates depend on developments in the money and capital markets. We assess the situation and trends in rates through regular market analyses. This expertise can pay off, especially when buying a property, as it requires planning over a long period.
Our experts will help you value your property and choose the right financing solution.