DGA Financieel Adviseurs

An affordable savings mortgage through DGA The Hague

At DGA Financial Advisors you get a savings mortgage that fits your personal situation. Our experienced advisors are ready to look at the best option with you.

We are fully independent and not tied to any bank or insurer. As a result, you always receive honest and objective advice from us, with sharp rates that are among the lowest in the Netherlands.

You are welcome at our office in The Hague. Would you prefer us to visit you? No problem, we are happy to schedule an appointment.

Many people in places such as Scheveningen, Voorburg, Leidschendam, Zoetermeer, Delft and Rijswijk have already chosen a savings mortgage through DGA. We are happy to help you too.

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What is a savings mortgage?

With a savings mortgage you only pay interest on your loan each month. At the same time, you build up the full amount through a savings policy to repay the mortgage in one go at the end of the term. That way you know for sure that you can pay off your mortgage in full.

The premium for the savings policy consists of two parts:

Savings portion

This grows to the amount you need to repay at the end of the term.

Risk portion

This is a term life insurance policy. If you die, your mortgage is (partly) repaid.

Advantage: stable monthly payments

A savings mortgage gives a lot of certainty. The interest rate on your loan is equal to the interest rate on your savings account. If the rate rises, you pay slightly more interest on your loan, but you need to save less, because your savings also earn more interest. As a result, your monthly payments remain fairly stable.

Stable monthly payments, even when interest rates change

The rate on your loan is always equal to the rate on your savings account. If the rate rises, your savings grow more quickly too.

Advantages of a savings mortgage

You know for sure that you can repay the mortgage
Your monthly payments are stable, even when interest rates rise
The capital you build up is tax-free
Certainty and clarity about your repayment
Includes term life insurance cover

Who is a savings mortgage suitable for?

If you have limited financial reserves
If you want to avoid your monthly payments rising unexpectedly
If certainty and stability are important to you

Please note

For single people or older clients, this option is often less favourable due to the higher premium on the term life insurance.

Disadvantages to bear in mind

You build up no more than what you need to repay
The savings account is tied to your mortgage, so there is little flexibility
In a low interest rate environment, this option can be relatively expensive

Frequently asked questions

Can I still take out a savings mortgage?
Since 2013, the savings mortgage is no longer tax-advantaged for new mortgages. If you already have a savings mortgage, you can continue it. We are happy to advise you on the best option in your situation.
What happens if interest rates rise?
With a savings mortgage you pay more interest, but your savings also grow more quickly. As a result, your total monthly payments stay fairly stable, regardless of the interest rate.
Is the capital you build up tax-free?
Yes, the capital you build up through the savings policy is exempt from tax, subject to certain conditions. This makes the savings mortgage attractive from a tax perspective.
What if I want to repay early?
Early repayment is possible, but may incur costs. Your savings policy is linked to the mortgage. We are happy to look at what is most advantageous in your case.
Is a savings mortgage suitable for single people?
For single people, the term life insurance premium is often higher, which makes the savings mortgage more expensive. Another mortgage type may then be more advantageous.

Curious whether a savings mortgage suits you?

Our mortgage advisors are happy to look at the best option with you. No obligation, at our office or at your home.

Request free advice070 - 355 66 48