Selling and buying, arranged smoothly
Aligning the timing of selling and buying is complex. We make sure you never end up with two mortgages and that you make optimal use of your equity.
Why Vynanzie
Our advantages for home movers
Making strategic use of equity
We calculate exactly how much equity you have and advise how to optimally apply it to your new mortgage — for lower monthly costs and a smaller loan amount.
Avoiding double costs
Through a bridge loan or smart delivery agreements we ensure you never temporarily pay two mortgages at the same time. We coordinate the entire timeline for you.
Strong in negotiations
We connect you with experienced buying agents in the area and manage the complete financing, so you can bid on your new home with confidence and strength.
We compare more than 20 lenders to find the lowest rate and best terms for your situation.
Free introductory meeting
No obligations. We listen to your situation and immediately give you insight into your options.
Your advantages
Advantages as a home mover
Built-up equity
Your current home has likely increased significantly in value. You can put that equity in directly as own funds for the purchase of your new home.
Lower monthly costs
By contributing your equity, the mortgage amount decreases structurally. This reduces your monthly costs and gives you more financial flexibility in your new life.
Proven payment capacity
As a home mover you have carried mortgage costs for years. That is a strong signal to lenders and gives you a better starting position for your application.
Vynanzie is completely independent from lenders and banks. Our advice is always exclusively in your interest.
Calculate your mortgage
Use our free calculator for an initial estimate of your maximum mortgage.
Schedule a meeting
Book a no-obligation appointment
In 45 minutes we will identify which mortgage suits your situation, free and without obligations.
- Free and no-obligation
- Online or at your home
- Instant confirmation email
- AFM certified advice
How would you like to meet?
Choose the option that suits you best.
Frequently asked questions
Everything home movers want to know
What is a bridge loan?
A bridge loan is a temporary loan on the (expected) equity of your current home. This allows you to buy or make a down payment on the new home before the old one has been sold and transferred. You only pay interest — no repayment — during the bridge period.
Should I sell first or buy first?
That depends on the market, your financial situation and your risk appetite. In a seller's market, buying first is often attractive; in a buyer's market, selling first may be wiser. We discuss both scenarios and calculate the risks for you.
Can I carry the equity over to my new mortgage?
Yes. The equity from your current home can be contributed as own funds for the purchase of the new home, so you need to borrow less. This reduces your monthly costs and strengthens your loan position with lenders.
How much property transfer tax do I pay as a home mover?
As a home mover you pay 2% property transfer tax on the purchase price of the new home. The starter exemption (0%) does not apply to home movers. We include this in the total cost calculation.
What are the costs of a bridge loan?
You pay interest on the bridge amount. The interest rate is typically slightly higher than your mortgage rate. Costs depend on the duration (average 3–6 months) and the amount borrowed. We calculate this accurately for your situation.
What if my new home is delivered sooner than expected?
In that case the bridge loan can be ended earlier — you then pay less interest. We always build in sufficient flexibility in the agreements so that accelerated or delayed deliveries are not a problem.
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