Increase the chances of finding your dream home thanks to Bidding with Certainty
Greater chance of buying your dream home? With Bidding with Security, you can bid directly on your dream home and are insured against the 10% penalty if the mortgage application does not go through.
Apply for bid insurance Higher chances of finding your dream home.
Bidding without reservation of financing is very attractive to the seller.
Insured against penalty.
No high penalty if your mortgage application is not accepted.
Direct bidding.
You can make an offer without reservation of financing.
Alpina Bid with Certainty
Bidding with Security covers the penalty if the financing for the home does not come through. This allows you to bid without a financing reservation, without the risk of a penalty. A bid without financing reservation is very attractive to the seller. In fact, with a financing reservation, the seller has to wait six to eight weeks before the sale is finalized.
An unconditional offer gives the seller certainty immediately after the statutory three-day cooling-off period. Therefore, in practice, an unconditional offer is accepted four times more often than a conditional offer. You also often see that a seller chooses to accept a lower offer because it has no financing reservation.
How does Bidding with Certainty work?
Step 1: Free mortgage consultation
In a personal meeting with our advisor, we calculate what you can borrow and discuss Bidding with Certainty.
Step 2: Applying for Bids with Security.
We check the space you can borrow and the value of the house you are going to bid on. Then we prepare the certificate.
Step 3: Bidding
The house you want to bid on has an appraisal. This determines the maximum amount you can bid with Bidding with Certainty.
We pick out the fine print for you
"Want to buy your dream home? Increase your chances in this tense housing market. Bidding without financing is always a risk. With bid insurance you still get that extra security!"
Raymond Naedenoen - Financial Advisor
More than 20 years of experience
Frequently asked questions Bidding with Certainty
We have compiled the frequently asked questions about Bidding with Certainty.
What is Bidding with Certainty?
Bidding with Security guarantees the payment of a penalty if financing for the home does not materialize. This allows you to bid without a financing reservation, without the risk of a penalty. For sellers, an offer without a financing reservation is very attractive because then they don't have to wait six to eight weeks to get certainty about the sale. With an unconditional offer, the seller already has certainty immediately after the statutory three-day reflection period. This is why an unconditional offer is accepted four times more often than a conditional offer. You also often see a seller accept a lower offer simply because there is no financing reservation.
How am I more likely to get a winning bid?
An offer with financing reservation means the seller must wait 6 to 8 weeks before it is certain that the sale will go through. An offer without reservation means that the seller already has certainty immediately after the 3-day statutory reflection period. Therefore, in practice, an unconditional offer is accepted four times more often than a conditional offer. However, bidding without reservation carries risks for the buyer. If the mortgage does not come through, the buyer must pay 10% of the purchase price as a penalty to the seller. With Bidding with Certainty, we take on that risk. So you enjoy the benefits, but not the risks of bidding without a financing reservation.
Can I get Bidding with Certainty?
During an initial free mortgage consultation, your advisor will conduct a thorough check of your financial status, including verifying documents such as your pay stub. This check is completely free of charge. In addition, we determine the value of each house you want to make an offer on through a remote appraisal. Only when your bid is in line with your financial situation and the appraised value will you qualify for Bieden met Zekerheid. In practice, about four out of five applicants receive Bieden met Zekerheid.
What does Bidding with Certainty cost?
The initial mortgage consultation, financial check and application for Bieden met Zekerheid are completely free of charge. We work on the principle of no-cure, no pay.
If your bid is accepted, Bidding with Security will take effect and you will pay us a one-time fee of €1150. This cost includes the bank guarantee of €300, which is mandatory for Bidding with Security. A bank guarantee is a promise by the bank to pay if someone else fails to honor their commitments.
Clear, transparent & honest advice for more than 110 years
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