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Bank approval before you buy. Confidence at every step.

Arrange your mortgage in advance and experience certainty at every stage of the purchase process. The NextLevel® Certificate confirms your previously obtained bank approval.

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Testimonials

“I knew exactly what I could spend before I started looking. When the right place came up, I didn't hesitate.”

Derya Aslan

First-time buyer, Eindhoven

“I had a clear budget in mind from the start, so when the perfect place came along, I jumped on it without second-guessing myself.”

Rohit Singh

First-time buyer, Eindhoven

The NextLevel® Certificate

Certainty begins before you start searching for a home.
 With the NextLevel Certificate, your bank approval is secured in advance, allowing you to begin the purchasing process with confidence and clarity.

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Mortgage approval secured in advance

With the NextLevel Certificate, your mortgage approval is confirmed upfront. You know exactly what you can afford and avoid uncertainty later.

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Make an offer without a financing clause

In a competitive market, certainty matters. An offer without a financing clause can make the difference. It increases your chances of acceptance and strengthens your negotiating position.

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Mortgage and purchase guidance in one integrated process

Mortgage advice and purchase guidance are combined into one coordinated process, ensuring every step aligns - from initial assessment to legal completion.

How it works

Apply for your NextLevel Certificate in three steps

Complete a short questionnaire, create your account, and upload your financial documents. This allows us to fully assess your situation and determine the right route for you.

Why NextLevel

Buying a home in the Netherlands can feel complex. Especially in a competitive market. We bring financial certainty, structure, and personal guidance together in one integrated process. This strengthens your position and increases your chances of securing the property.

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A stronger position with sellers

With the NextLevel Certificate, you can submit an offer without a financing clause. Sellers value certainty, which significantly improves your chances in a competitive bidding process.

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Control in every phase of the purchase process

From initial assessment to legal completion, we coordinate your mortgage, purchase strategy, and property valuation. This keeps the process aligned, efficient, and predictable.

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Dedicated advisors, clear communication

You work with a dedicated mortgage advisor and buying agent who guide you personally. We actively manage deadlines, conditions, and negotiations — so nothing is left to chance.

Your Next Move

Testimonials

“I knew exactly what I could spend before I started looking. When the right place came up, I didn't hesitate.”

Derya Aslan

First-time buyer, Eindhoven

“I had a clear budget in mind from the start, so when the perfect place came along, I jumped on it without second-guessing myself.”

Rohit Singh

First-time buyer, Eindhoven

Stand out with the NextLevel®


Your benefit

NextLevel® Certificate

Traditional Bid Insurance

Indicative Bid Certificate

Financial basis
Comprehensive income assessment conducted in advance through the bank to provide maximum certainty regarding your borrowing capacity.
An insurance policy that provides compensation afterwards. The risk assessment takes place in advance, but compensation is only paid if the mortgage application is rejected.
An indicative calculation. This reflects only your theoretical borrowing capacity based on the information you provide.
Maximum purchase price
Up to €1,000,000
Generally up to €750,000
Depends on your income.
Freedom to search
Complete freedom. Valid for any property throughout the Netherlands. You can submit unlimited offers for three months.
Linked to one specific address. Coverage applies exclusively to the approved property.
Limited. Often valid for only one month and linked to the property on which you are bidding.
Extension when the search takes longer
Free of charge. After three months, we update your income assessment and extend the certificate for another three months at no additional cost.
Costs and conditions apply. Extension depends on the provider and often involves an additional premium.
Once the validity period expires, or if interest rates change, a completely new calculation must be made.
Bidding without a financing condition
Yes
Yes
Not recommended. This document is intended exclusively for offers submitted with a standard financing condition.
Interest-rate risk
Full interest-rate certainty. Your interest rate is reserved for three months immediately upon applying for the certificate.
Interest-rate risk throughout the process. Interest-rate increases that reduce your borrowing capacity are not covered by the insurance.
Interest-rate risk. If interest rates rise, your maximum borrowing capacity decreases immediately and the calculation may no longer be valid.
Processing time after acceptance
Only 5 to 7 working days provided that all documents and the valuation report are submitted on time.
5 to 6 weeks because the standard, comprehensive assessment only begins after the offer has been accepted.
6 to 8 weeks because the complete mortgage application must still be initiated from the beginning.
Conditions and important limitations
Clear and reasonable conditions. Your personal and financial circumstances must remain unchanged, you must not take out any new loans, and the property valuation must be sufficient.
Dependent on rejections. A claim requires the submission of official rejection letters, usually three separate rejection letters.
No guarantee. The document does not provide any guarantee of final mortgage approval.
Total cost
Only €950 fully and transparently included in our total advisory and mortgage brokerage fees.
Quickly amounts to €900–€1,000 consisting of the separate insurance premium and the costs of the mandatory desktop valuation and administration.
Free of charge because there are no costs associated with an indicative preliminary calculation.

Join our free webinars

In a competitive housing market, clarity matters. Our webinars help you understand the process and strengthen your position.

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Our partners

We work with carefully selected banks and trusted industry specialists. This allows us to ensure quality, efficiency, and reliability throughout the entire process.

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Insights that moves you forward

Deepen your understanding of mortgages and the home buying process with clear and up-to-date insights.

Bidding Without Financing Contingencies: The Smart Path to Your First Home

The document that opens doors and builds trust.

Read more

Why the Highest Bid Doesn’t Always Win: The Power of Certainty

It’s the biggest misconception in today’s housing market: "If I just offer the most money, the house is mine." While price is obviously a crucial factor, in practice, we increasingly see the highest bid ending up at the bottom of the pile. Sellers and listing agents look beyond just the number at the bottom of the page. They look at risk. In this article, we dive into the seller's psychology and explain why the NextLevel Certificate gives you a competitive edge, even if you aren't the highest bidder.

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How Much Mortgage Can I Get in 2026?

One of the most frequently asked questions when buying a home is: how much mortgage can I get in 2026? The maximum mortgage depends on multiple factors. In this blog, we explain which elements are decisive and how to quickly gain clarity.

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Certainty brings peace

of mind and confidence

Secure your mortgage in advance and experience clarity throughout every stage of the home buying process. The NextLevel Certificate confirms your mortgage approval before you make an offer.

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Frequently Asked Questions

Can’t find your question here? Feel free to contact us.