With Patrick as advisor, the mortgage was never a concern : he is experienced and knowledgable and explains and documents your mortgage options in simple terms. Given his flexibility and availability for calls on the short term, I could interact remotely with him (from Eindhoven) without issues. I could benefit from a drop in the interest rate between the mortgage submission and the delayed meeting at the notaris, thanks to his advice. As with every advisor, you need to be well informed about the process and ask the right questions, otherwise you'll make a lot of implicit choices.