For anyone who is still wondering where to look for help!!!
For a long time, I was looking for an NVM agent through friends or recommendations, but nobody wanted to work or put in the effort for a commission. After another disappointment, I was referred to Horizon Hypotheek to calculate our family's borrowing capacity. My daughter called and booked an appointment for June 16, 2026.
We visited the office and were welcomed by Robert, who calculated everything and explained it all in great detail. In his words, we were "golden clients" because we have no debts, no leasing, no financing plans, no credit cards, and we have savings. He told us: "You can buy a home without any problems."
So far so good, but I had a major obstacle—I turned 57 on April 13, and the retirement age in the Netherlands is 67.3. This meant that legally, I only had until July 12, 2026, before entering the 10-year pre-retirement window where banks rarely grant mortgages. In other words, we had exactly 26 calendar days.
Robert understood exactly what I was talking about. He said he would speak with his manager and confirm by the afternoon if we stood a chance. I also asked if they could handle the entire mortgage process right up to the notary. The answer was a definitive YES.
That afternoon, right after 2:00 PM, they confirmed that WE HAD A CHANCE, but we needed to act fast and efficiently. We started viewings, preparing documents, and finally found a property we loved.
People, I am speechless when it comes to this team and Ashwin. They played to win, and they won the property! These people turned the impossible into the absolute possible. Today is July 8, 2026, and we already have an approved mortgage from the bank and a scheduled notary appointment for the final deal.
They worked miracles. Every single cent they charge is well earned, and may God bless them and their families. But it's also very important that you remain responsible and serious about what you want.
These people are top-tier professionals. Trust them completely. Good luck and success to everyone!