private person For Business About us For Consultants My Aegon Mortgage To ensure Pension Save investing Customer service Free first conversation Best mortgage lender 2019 More than a quarter of a million mortgage customers Buying a next house Private Mortgage Buying a next house You have found a new home! Buying a next home raises different questions than buying a first home. For example, can you take your current mortgage with you? What is the surplus value? What are the options if you have a residual debt? Tax aspects play a role depending on your situation and choices. Questions that will undoubtedly keep you busy. We are happy to help you on your way with the answers. Take the mortgage with you Is the mortgage interest rate on your current mortgage lower than the current interest rate? Then it can be smart to take your mortgage with you. Bring my mortgage Equity Is the selling price of your home higher than your remaining mortgage? Then you have surplus value. A number of tax rules apply to equity capital. Using the equity residual debt Is the selling price of your home lower than your remaining mortgage? Then you may have a residual debt. Still want to buy a new home, despite a residual debt? Dealing with residual debt bridging loan Bought a new house, but haven't sold your old house yet? A bridging loan offers possibilities. How does it work? Do you want to sell but not buy? Stel, je verkoopt je huis maar koopt geen nieuwe woning. Bijvoorbeeld omdat je gaat samenwonen of gaat huren. Als je je woning verkoopt met overwaarde en geen nieuw huis koopt, kun je deze overwaarde vrij besteden. Koop je binnen drie jaar een nieuwe woning? Dan heb je geen recht meer op hypotheekrenteaftrek over het bedrag van de overwaarde. Goed advies is belangrijk Een wijziging op je hypotheek kan gevolgen hebben voor je financiële situatie. De hypotheekadviseur brengt je situatie in kaart en adviseert wat voor jou de beste oplossing is. De kosten die je betaalt voor advies verschillen per adviseur. Vraag daarom vooraf naar de kosten. Bekijk de adviesmogelijkheden Veelgestelde vragen Mag ik mijn woning verhuren als ik een hypotheek bij jullie heb? Wat als wij uit elkaar gaan en samen een hypotheek hebben? Can I continue my Mortgage Savings Insurance if I have sold my home? Can I continue my Bank Savings Mortgage Account if I have sold my home? Product information To ensure Save investing Pension Mortgage About us Organization Social Media blog News Working at Aegon Service & contact Customer service inform about a change of address Report death Report damage Report divorce Commonly used forms Restoration Cost Scheme Money wiser Our services Feedback private person For Business For Consultants About us Working at Aegon Website Terms of Use Privacy Cookies We place cookies to make our website and services more user-friendly. But also to show content and advertisements on our website, on those of third parties and on social media. These are tailored to your preferences and website use. By choosing "Optimal cookies" you accept all cookies. We process your personal data ( privacy statement ). If you are logged in to My Aegon, we can also combine your online behavior with other personal data that we have received from you. You can always change your cookie preference at a later time via the "Cookies" option at the bottom of every page. Optimal cookies Only necessary