Adjusting mortgage often unnecessarily expensive – HomeFinance.nl

     

Date: 25-03-2016       Mortgage banks send customers often return to intermediary   Mortgage lenders send their customers often return to their intermediary in adjustments to the mortgage. Sometimes that logically and rightly so, when it comes to large and impactful adjustments huge tax and thus can have financial consequences. However, it is annoying if the bank returns the customer for minor adjustments. And thus the customer hunts unnecessary costs. Which announced the consumers on the basis of a comparison of the conditions and costs by mortgage lender.   Mortgage banks sometimes tend to send their customers very quickly to an intermediary. Even if the desired changes actually changes to the mortgage for which the customer no advice would (like to) obtain. This may be the case with the depositing of additional premium in an endowment mortgage, the adaptation of a life insurance or refinancing to a lower daily rate.   Large differences in costs   There also appear to be large differences in the costs attributable to mortgage adjustments. This is evident from the comparison of the Consumers’ Association. At Lloyds Bank, for example, almost all free or modify at low cost. SNS other hand, you are required by many adjustments to a new opinion and therefore expects the full price of a new opinion. NIBC Direct is there once again in between: You can handle some changes yourself provided you pass a knowledge and experience test. Otherwise, you must still along a mortgage advisor.   The Consumers think it makes sense for consumers to take a critical look at small changes or hiring a consultant is needed. Even if the bank refers to it. In a ruling of September 3, 2015 the financial complaints institute Kifid ruled for example, that mortgage Florius may not require that the advice of a consultant is needed for minor changes inherent in the sealed product for which a consumer is generally not advice would seek .