SETTL. | MORTGAGE & INSURANCE
Get clarity on your mortgage options.
Expert, independent, in-house mortgage advice and insurance solutions tailored for internationals and first-time buyers.
48h
to mortgage clarity
Up to 90%
better chance to win your bid
Free calculation
Without obligation
Clarity in 48 hours
Know your budget fast
Win more bids
Up to 90% higher chance
Less savings needed
Purchase costs in your mortgage
Truly independent
We compare every bank
Problem & solution
Navigate mortgages with confidence.
Mortgage options can be overwhelming, especially for internationals and first-time buyers unfamiliar with Dutch banking.
The challenge
The Dutch mortgage market works differently.
✕ Complex rules that differ per bank
✕ Language barriers
✕ Unfamiliar financial requirements
✕ Pressure to decide fast in a hot market
Our solution
Like talking to every bank at once.
Our in-house advisors are completely independent. They compare dozens of banks, mortgage options and interest rates to secure the best possible deal for you.
✓ Truly independent
✓ Every bank compared
✓ Advice in English
✓ Clarity within 48 hours
How we work
Your mortgage, just 4 steps away.
We simplify the mortgage journey into clear, manageable steps, guided by an independent SETTL. advisor, all in English.
01
Step 1 of 4
Assessment.
We review your financial situation: income, savings, employment and credit profile. You know your maximum budget within 48 hours.
02
Step 2 of 4
Market analysis.
We compare mortgage products and interest rates across multiple lenders, so you get the offer that truly fits you.
03
Step 3 of 4
Strategy & support.
We guide you through the application and manage all communication with lenders, so you can bid with confidence.
04
Step 4 of 4
Completion.
Once approved, we support you through the final steps with the notary, all the way to closing.
Bonus
Need home or contents insurance? We arrange the right cover alongside your mortgage, so everything is settled in one go.
Fay
Michel
About the team
Meet your mortgage advisors: Fay & Michel.
Recognised as one of the best mortgage advisors in the Netherlands, six years in a row. They help expats and first-time buyers secure the best possible mortgage.
25+
years of experience
200
clients served in 2025
€40M
in successful mortgages in 2025
6 yrs
in a row among the best in NL
Pricing
How it works financially.
Start with a free calculation. You only commit when you're ready.
Mortgage calculation
Free
no obligation
Your maximum mortgage, calculated without obligation.
What's included
✓ Clarity on your budget within 48 hours
✓ Personal call with an advisor
✓ All in English
Full service
Mortgage advisory
€4.495
one-time
Independent advice and guidance all the way to closing.
What's included
✓ Every bank compared
✓ Independent advice
✓ Application handled for you
✓ Guidance until closing
Insurance
On request
add-on
Home and contents insurance, arranged alongside your mortgage.
What's included
✓ Home insurance
✓ Contents insurance
✓ Settled in one go with your mortgage
Bonus tip
Often all costs, like our advisory fee, can be included in your mortgage.
SETTL. | BUY