How much can I borrow?

The exact amount you can borrow is determined by your income, financial obligations, and the property’s value. Under ‘Calculate,’ you can use our tools to quickly estimate how much you can borrow.

In which regions does De Financiële Alliantie operate?

De Financiële Alliantie has years of experience with mortgages, allowing us to provide reliable, honest, and independent advice. This can be done not only at our office in Zwolle, but also online or at your kitchen table anywhere in the Netherlands.

Is De Financiële Alliantie independent?

A clear YES: completely independent! We provide fully independent mortgage advice. We receive no compensation from any lender; instead, our clients cover our fees. This allows us to offer all possible lenders. Together, we’ll find the best provider with the best terms and the lowest rate!

Does the 30% tax ruling increase my mortgage?

It can. Some lenders take the 30% ruling into account, which may increase your borrowing capacity. Whether it truly benefits you depends on your personal situation and future plans.

Can I use savings from abroad?

Yes. Foreign savings are accepted, as long as the origin of the funds is clear and traceable. Banks may ask for bank statements and proof of origin.

How much savings do I need as an expat?

In addition to the purchase price, you typically need around 4–6% of the property value for buyer’s costs. This amount cannot always be included in the mortgage.

Home » Team » Esther Bakker

Esther Bakker

Internal Mortgage Specialist

Great to have you here! I’m Esther. Let’s get to know each other better. Here’s my story…

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I’m Esther, a proud resident of Zwolle, where I live with my partner, two children, and our cheerful four-legged friend.

I’ve been active in the mortgage industry since 2011. Over the years, I’ve earned a series of certificates, including WFT Mortgages, Assets, and Insurance. From the back office of our lovely headquarters in Zwolle, I use my expertise daily to assist you as an internal mortgage specialist.

My approach is personal and engaged. You can trust that your mortgage application is in good hands with us. We’re always willing to go the extra mile to give you that ‘wow’ feeling!

I derive my greatest satisfaction from helping people achieve their housing dreams. It’s a celebration to see my clients pop the champagne once everything is in order. Knowing that I’ve contributed to that makes my work truly rewarding!

Throughout the mortgage process, you can expect me to be transparent, patient, and always ready to listen. I’ll guide you from start to finish, ensuring your interests are always prioritized. Together, we’ll make the best choices so you can step into your new home with peace of mind and a big smile.

So, are you ready to make your housing dreams a reality? Let’s go!

Rated 9.9 by our clients
Transparent and independent advice
Personal and fast communication
Advisors with years of experience
Experience with expat income & contracts

Ask Esther your question or have her call you back

De Financiële Alliantie

Govert Flinckstraat 1 8021 ET Zwolle
+31384214457
info@dfamail.nl

Rated 9.9 by our clients
Transparent and independent advice
Personal and fast communication
Advisors with years of experience
Experience with expat income & contracts