Working with Joyce was an absolute game-changer. As a first-time homebuyer and an expat, I felt overwhelmed, but she prioritized my needs, and crafted a plan that balanced my budget and future goals. She even found a lender with first-time buyer perks! Joyce is responsive, patient, and fiercely detail-oriented—she answered every panicked question (and there were many!) with clarity, even at late working hours. Thanks to her sharp negotiation, I landed a very competitive interest rate below market average, saving me thousands long-term. She handled all the stress—paperwork, deadlines, coordinating with my Makelaar—so I could focus on packing. If you want an advisor who feels like a trusted friend (but with the expertise of a very sound financial advisor), choose Hypotheek Geluke. I’m more than happy to recommend her in future to my friends and colleagues. Forever grateful, Umer & Aqsa