Your equity used wisely
Your home is worth more than your mortgage debt. We help you deploy that equity in a responsible and tax-optimal way for your goals.
Why Vynanzie
Our advantages for releasing equity
Personal equity consultation
We thoroughly analyse your situation and calculate how much equity can responsibly be released — without financial risks. You receive clear, tailored advice.
Tax optimisation
Whether the interest on the release is deductible depends entirely on the intended purpose. We advise you so that you make optimal tax use of your equity and have no surprises afterwards.
Comparison of 20+ lenders
Not every bank offers the same possibilities for a mortgage increase. We compare more than 20 lenders and find the most advantageous structure for you.
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 of using your equity
Wealth that works for you
Your home has increased in value, but that wealth is standing still. Through a mortgage increase you make it liquid and deployable for the goals that matter to you.
Lower rate than a personal loan
Mortgage interest is typically considerably lower than the interest on a personal loan or revolving credit. You borrow smartly and pay less over the term.
Widely deployable
From renovation and sustainability to a gift to your children or supplementing your pension — equity is flexibly deployable for a wide range of goals.
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 about releasing equity
How do I know how much equity I have?
Equity is the difference between the current market value of your home and the outstanding mortgage debt. We commission a valuation or use a preliminary estimate based on recent sale prices in your area to determine the equity.
Up to what percentage can I increase my mortgage?
You can borrow up to a maximum of 100% of the property value (Loan-to-Value). Your income also determines whether and how much increase is financially feasible. We calculate both limits and find the lender that offers the most within your situation.
Are there tax consequences to releasing equity?
The interest on the released amount is deductible if it is used for your own home (renovation, maintenance). For other purposes — such as a car, trip or gift — there is no interest deduction. We advise you on the most tax-favourable structure.
Can I use equity for a gift to my children?
Yes, that is possible. You increase your mortgage and give the released amount to your children, for example for the purchase of their first home. Be aware of gift tax and annual exemptions. We advise you on the most advantageous approach.
What if my income is insufficient for a mortgage increase?
If a mortgage increase based on income is not feasible, there are alternatives: a reverse mortgage (for retirees), a personal loan or an energy-saving loan via the Warmtefonds. We discuss all options and help you make the best choice.
What is the difference between releasing equity and a personal loan?
Releasing equity means increasing your mortgage — typically at a lower interest rate and with a longer term. A personal loan is separate from your home, has a higher interest rate but requires no equity or valuation. We calculate what is financially more advantageous in your situation.
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