What does a mortgage advisor cost? Complete cost overview 2026
What does a mortgage advisor cost in 2026? Independent advice is typically €2,500–€3,500 (up to ~€4,500 for complex cases). All rates and fees explained.
Wondering what a mortgage advisor costs? In 2026, independent mortgage advice typically costs between €2,500 and €3,500, rising to around €4,500 for more complex cases. Thanks to the commission ban (provisieverbod), advice on a consumer mortgage is always paid directly by you rather than funded by lender commission, and the fee is tax-deductible for an owner-occupied home. On this page you'll find a complete overview of all mortgage advisor costs, rates and what to expect.
How much does a mortgage advisor cost?
The mortgage advisor costs vary per advisor. Generally, an advisor spends between 20 to 40 hours preparing a complete mortgage advice. But what does a mortgage advisor cost exactly?
Mortgage advisor rates
To pay for mortgage advice, you can choose from two options:
Hourly rate
Flexible pricing
Between €110 and €175 per hour
Pay for actual time
Total roughly €2,500 to €7,000 (for 20–40 hours)
Transparency
You only pay for the time actually spent
Fixed fee
Clear total costs
Typically €2,500 to €3,500 for complete advice (up to ~€4,500 for complex cases)
No surprises
Know exactly what you'll pay upfront
Peace of mind
No unexpected high costs afterwards
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Costs during collaboration with mortgage advisor
During the collaboration period, it's important to discuss with the mortgage advisor what they'll do for you without additional costs. There may be extra charges for, for example, requesting a separate fixed-rate period mortgage. When working with an advisor, you naturally want to know what the costs are for certain services. These costs are all listed in the service document.
What is a service document?
In this document, the advisor and the bank/insurer set out their average rates. This gives an overview of the average rates and can therefore be more or less for individual cases. The advisor is required to provide this to you in advance with pricing.
If the differences are very large with what's stated in the service document, the Authority for the Financial Markets (AFM) can help you further.
Costs of mortgage advice
Independent vs. Tied advisors
The way mortgage advisors charge for their services can differ:
Independent mortgage advisors
Independent advisors often charge a fee directly to you. This ensures they work in your best interest without being influenced by commission from lenders.
Tied advisors
Advisors who work with specific banks or lenders may receive commission from the lender. While this might seem free to you, it's important to understand that these costs are ultimately built into your mortgage.
Execution-only
If you take out a mortgage without advice (execution-only), you only pay the distribution costs for processing the mortgage. However, you miss out on professional guidance.
Tax implications
VAT on mortgage advice
An important aspect to consider is VAT (Value Added Tax) on mortgage advisory costs:
No VAT on mortgage advice
You won't be charged VAT on the costs of mortgage advice, even if you ultimately decide not to take out a mortgage.
VAT on home buying advice
If you seek advice about the possibilities of purchasing a home without directly taking out a mortgage, you may be charged 21% VAT on the advisory fees.
Tax deduction for mortgage advice costs
Good news: the costs of mortgage advice are tax-deductible. You can deduct these costs from your mortgage interest deduction. This makes professional advice more affordable than it initially appears.
What's included in the costs?
When you hire a mortgage advisor, the costs typically cover:
Initial consultation and analysis
Assessment of your financial situation, review of credit history, and determining your borrowing capacity.
Mortgage comparison
Comparing different mortgage products from various lenders to find the best match for your situation.
Application assistance
Help with gathering necessary documents, completing applications, and submitting to lenders.
Negotiation
Negotiating with lenders on your behalf to secure favorable terms and interest rates.
Ongoing support
Guidance throughout the mortgage process until completion, including answering questions and handling issues.
Authority for the Financial Markets (AFM)
In case something goes wrong and you've paid too much, you can contact the AFM (Authority for the Financial Markets). They supervise the financial markets and ensure that the rules are followed.
Need help with a dispute?
Visit the AFM website for more information about your rights and how to file a complaint.
Tips for managing mortgage advisor costs
Get multiple quotes
Don't settle for the first advisor you find. Compare costs and services from at least 3 different advisors:
Compare service levels
Look at what's included in the quoted price. Some advisors offer more comprehensive services than others.
Check qualifications
Ensure the advisor is properly licensed and registered with the AFM.
Read reviews
Check online reviews and ask for references from previous clients.
Understand the fee structure
Make sure you understand exactly what you're paying for and when payments are due.
Questions to ask about costs
Before engaging a mortgage advisor, ask these important questions:
Ask whether they charge an hourly rate or a fixed fee, and what's included in that cost.
Find out if there are extra charges for additional services like refinancing advice or follow-up consultations.
Clarify the payment schedule - is it upfront, upon completion, or in installments?
Understand if you still need to pay if you decide not to take out a mortgage after receiving advice.
This helps you understand if there might be any conflicts of interest in their recommendations.
Is a mortgage advisor worth the cost?
While the costs of a mortgage advisor might seem significant, the value they provide often outweighs the expense:
Benefits
Save money on interest
A good advisor can negotiate better rates, potentially saving thousands over the mortgage term
Save time
They handle the complex paperwork and research, saving you countless hours
Expert guidance
Navigate complex financial decisions with professional support
Access to more options
Independent advisors have access to products from multiple lenders
Tax deductible
The costs are tax-deductible, reducing the actual expense
Considerations
Upfront cost
You need to pay for the service, typically €2,500 to €3,500
Time investment
You still need to provide information and attend meetings
Quality varies
Not all advisors provide the same level of service
Compare mortgage advisors with HuisAssist
HuisAssist compares several independent mortgage advisors for free and without obligation. These mortgage advisors work independently and are not tied to specific mortgage lenders. This allows them to compare different mortgages from various lenders to find the best package for you.
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We deliver you 3 mortgage advisors and you can accept the best choice.
Related articles
Frequently asked questions
Yes, many advisors are open to negotiation, especially if you have a straightforward financial situation or if you're using their services for multiple properties. Always ask if there's flexibility in their pricing.
This depends on your agreement with the advisor. Some charge for their time regardless of the outcome, while others may offer a partial refund or no-win-no-fee arrangements. Clarify this before engaging their services.
No, mortgage advice is not mandatory. You can apply for a mortgage directly with a lender (execution-only). However, professional advice is highly recommended due to the complexity of mortgage products and regulations.
Yes, but you may still be liable for fees for the work already completed by your original advisor. Check your contract for any cancellation clauses before switching.
Online or digital mortgage advisors may offer lower rates due to reduced overhead costs. However, ensure they provide the same level of service and are properly regulated before choosing based solely on price.
Mortgage advisor costs are the fees paid to the professional who helps you find and arrange your mortgage. Mortgage costs include the advisor fees plus other expenses like valuation fees, notary costs, and the actual mortgage interest and principal payments.
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