When taking out a mortgage or amending your current loan, the bank almost always asks for an official valuation report. A valuation of your home provides an accurate and objective picture of its current market value. This is essential to ensure that the financing process runs smoothly and that you know exactly where you stand. Our certified registered valuers carry out these valuations on a daily basis, with an eye for detail and a level-headed view of the market.
A property valuation involves much more than just a quick look around the rooms. It is a comprehensive assessment in which various aspects of the property and its surroundings are carefully evaluated. Our registered valuers consider, amongst other things, the year of construction, the state of maintenance, the layout and the level of insulation. In addition, it is mandatory to measure the property in accordance with the exact NEN 2580 guidelines, so that there can be no doubt as to the actual number of square metres of living space.
To guarantee quality and reliability, we use reports that are validated by the NWWI. This independent institute checks that the valuation meets all the strict national requirements. As a result, the report is accepted by every bank and insurer. The fact that our transparent and personalised approach is appreciated is clearly demonstrated by the reviews from our previous customers, who give us a brilliant mark.
There are various situations in which an official and validated valuation report is essential. The most well-known situation is when applying for a mortgage for a new home, but a valuation can also be beneficial for existing loans. If the value of your property in the Haarlem region has risen significantly, the bank may, on the basis of the valuation report, reduce the risk premium on your mortgage, which will make an immediate difference to your monthly repayments.
Here is a summary of the key stages in a valuation:
We would be happy to discuss the options and how the rates are structured during a a no-obligation consultation with our advisers at our office.
During the on-site valuation, the valuer will visit the property in person to carry out a thorough inspection. They will assess the structural condition, the quality of the finish and the location of the property. The presence of energy-saving measures, such as solar panels, HR+++ glazing or a heat pump, is also taken into account. These sustainability improvements will have a direct positive impact on the energy label in 2026 and, consequently, on the property’s ultimate market value.
You can speed up the valuation process yourself by having the relevant documents ready in advance. These include the title deed, the most recent property valuation notice, floor plans and any invoices for recent renovations or sustainability measures. This information helps the valuer to paint an extremely accurate and realistic picture. This is not only useful for the sale, but also provides the necessary peace of mind when buying a new home in Heemstede or the surrounding area.
A valuation is a free, indicative estimate carried out by an estate agent to determine a realistic sales strategy and asking price. A property valuation is an official, comprehensive and independent report drawn up by a certified registered valuer, and is required for a mortgage to be approved.
Lenders require objective evidence to support the property’s value. The Dutch Property Valuation Institute (NWWI) validates the valuation report and checks that the valuer complies with all the strict national guidelines. Only a validated report is accepted by banks.
Measures such as insulation, solar panels and a heat pump improve a property’s energy rating. A favourable energy rating leads to lower energy bills and significantly increases the property’s appraised market value, as buyers will be able to borrow more for energy-efficient homes in 2026.
Yes, if you have a valuation carried out for the purpose of obtaining, refinancing or increasing a mortgage on your main residence, the valuation costs incurred are fully deductible from your income tax in Box 1.
Most banks and lenders accept a valuation report for up to six months after the date of the inspection. It is therefore important to time the valuation to fit in with your mortgage application schedule.
