Skip to main content

Bank-free Financing

Financing real estate outside of traditional banks. Faster and more flexible, but at a higher rate.

Compare lenders →
Compare independentlyAccredited providersFree consultation
Bank-free financing
Specialized financiers
Also non-banking
Free consultation
Reviews 9.5 / 9.8

What is bank-free financing?

Bank-free or non-bank financing comes from specialized real estate financiers, investment funds, or private investors rather than from a bank. They apply their own criteria and generally make decisions considerably faster.

Dat is vooral waardevol wanneer snelheid telt — bij een aankoop met een korte leveringstermijn bijvoorbeeld — of wanneer een bank het object of uw situatie niet financiert. Het rate is higher, passend bij het hogere risico dat deze partijen accepteren.

financing bank-free real estate

More about financing bank-free real estate

Value, rental income and your own contribution.

Breng It object in kaart
Value, rental income and your own contribution.
Compare lenders
Real estate financiers apply different criteria than regular banks.
Application via the financier
Valuation, assessment, and processing are handled by the financier.

When is it appropriate?

Non-banking parties often make decisions within weeks instead of months.

Speed

Non-banking parties often make decisions within weeks instead of months.

Rejected by the bank

For example, due to the type of property, vacancy, or a brief history.

Short-term financing

For bridging, redevelopment or transformation.

Higher rate

The interest rate is clearly higher than that of a bank.

Object center

The assessment focuses strongly on the object and the value, less on you personally.

Exit strategy

Lenders want to know how you repay: sale, refinancing, or rental income.

What do you look out for?

✓It rate is higher — reken door of It rendement dat draagt.
✓Ensure a clear exit strategy: how do you repay, and within what timeframe?
✓NB closing fees and other costs; these can be significant.
✓Check the conditions in case of delay — wat gebeurt er als uw plan uitloopt?
✓Assess whether the party transparent is about all costs and whether she has experience in your segment.

Frequently asked questions about bank-free real estate financing

What is bank-free real estate financing?
Financing from specialized real estate financiers, funds, or private investors instead of a bank. They apply their own criteria and generally make decisions faster.
Waarom zou ik hiervoor kiezen?
Especially due to speed, or when a bank does not finance the item or your situation. For purchases with a short delivery time, this can be decisive.
Is it more expensive than a sofa?
Yes, clearly. These parties accept more risk and factor that into their rates. Calculate whether the return on the asset justifies that.
What is an exit strategy?
The plan by which you repay the financing: sale of the property, refinancing with a bank, or repayment from rental income. Lenders want this clear in advance.
What should I look out for in the terms and conditions?
On closing fees, the term, what happens in the event of delay, and the conditions for early repayment.
Is this also possible for private individuals?
Some parties also finance private real estate investors. The criteria and rates vary by financier.
financing bank-free real estate

compare bank-free real estate financing via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about financing bank-free real estate

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Duidelijke uitleg over LTV en wat dat betekent voor mijn eigen inbreng.”

J
Jeroen S.
Investment property

“Prettig dat ook verstrekkers buiten de bank in It overzicht stonden.”

C
Coen F.
Bank-free financing

“De uitleg over de Buy-to-let mortgage maakte meteen duidelijk wat wel en niet mag.”

V
Veerle J.
Buy-to-let mortgage

“Goed overzicht voor wie een pand aankoopt om te verhuren.”

S
Sanne N.
Leased property

More about real estate

View the other sections within real estate.

Property →

Financing investment properties, commercial properties, or leased real estate.

Investment property →

Buying a property to rent out.

Bedrijfspand →

Buying your own business premises instead of renting.

Buy-to-let mortgage →

A mortgage for a property you rent out.

Bank-free financing →

Financing real estate outside of traditional banks.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Verhuurdersverzekering →

For homes that you rent out rather than live in yourself.

Bedrijfspandverzekering →

Coverage for your commercial property or investment property.

Opstalverzekering →

The basis: damage to the building itself.

Compare real estate financiers

With our partner, you can see which specialized financiers are active in this segment.