If you don't know Dutch, If you don't know Dutch property rules, if you think people are not honest and might be cheating you, If you feel that you are alone in your biggest challenge in your life (for me it was), I will 100% recommend Kamil Karaer as your mortgage advisor. He is the best in his job, a expert advisor which he can arrange everything from zero to 100 so quickly. a honest guy, super patient with me that i am a person without any knowledge in rules, laws, Dutch language. Trust me, you cannot find an advisor better than Kamil(punt).