What does a family mortgage really cost?

A family mortgage is often called free, and that is almost true. Almost. There are a few real costs to budget, and being honest about them upfront keeps the arrangement clean.

The costs that actually exist

The agreement itself: drafting a proper market-conform contract, whether through FLUX5 or a legal template done carefully. If you want a registered mortgage right, the notary charges around €750 or more, optional for unsecured loans.

Then the ongoing cost: the interest, which stays inside the family instead of going to a bank. And administration: tracking payments and keeping proof, which an app does for a small fee or you do manually for free with discipline.

The honest comparison

A bank mortgage on €250,000 costs roughly €2,500 in afsluitprovisie, advisory fees of €1,500 or more, and bank margin inside the rate every single month. The family version charges none of those, and the interest circulates back into the household.

Over a 30-year term the difference is not a rounding error. It is a kitchen renovation, or a year of groceries, kept in the family.

FLUX5 prices the family alternative transparently: contract, rate check, debits and proof for one clear fee. No percentages, no surprises, and the numbers are on the website before you start.