Huub guides consumers step by step through the mortgage process, helps collect and verify documents, and explains financial terms. On the advisor side, Huub delivers a validated and complete client file. Huub works 24/7, remembers the context of the client journey, and can be deployed software-agnostically.

Huub guides consumers step by step through the mortgage process, helps collect and verify documents, and explains financial terms.

How does Huub work?

Huub is an AI-powered digital assistant that supports consumers and mortgage advisors throughout the entire mortgage process.

What exactly is Huub?

Yes, through Huub you can contact or schedule a meeting with your mortgage advisor.

Can I speak to an advisor?

Huub is much more than a chatbot. It's an AI assistant with domain-specific knowledge, memory, and integrations with mortgage software. It provides contextual answers and performs actions such as collecting and validating documents.

Huub is much more than a chatbot. It's an AI assistant with domain-specific knowledge, memory, and integrations with mortgage software.

Is Huub a chatbot?

Huub is designed for consumers who want to apply for a mortgage and for mortgage advisors who want to optimize their advisory process.

Who is Huub intended for?

As a consumer, you get insights, speed, understandable explanations, and 24/7 support.

What are the benefits of Huub for me?

Huub is available 24/7 for consumers, without any waiting time. Additionally, a mortgage expert is available with whom you can schedule an appointment.

Huub is available 24/7 for consumers, without any waiting time.

When is Huub available?

You can start with Huub right away! Create an account at app.huub.nl for immediate free access to the Property Analysis, calculate your Maximum Mortgage, and schedule your introductory meeting with the Mortgage Advisor.

You can start with Huub right away! Create an account at app.huub.nl for immediate free access to the Property Analysis.

How can I start with Huub?

How do I sign up for Huub?

Huub takes care of you as a consumer with a clear introduction, a step-by-step plan, and direct guidance in providing your information. Huub is your sparring partner and resource throughout this process.

Huub takes care of you as a consumer with a clear introduction, a step-by-step plan, and direct guidance in providing your information.

What can I expect after signing up?

Yes. Huub is available 24/7 to answer questions or explain actions. Your Mortgage Advisor is available during office hours at 📞085-301 19 18.

Yes. Huub is available 24/7 to answer questions or explain actions.

Can I get help outside office hours?

Your data is only retained as long as legally required. After that, it is securely deleted.

What happens to my data after the process is completed?

Huub guides the client in advance and delivers a validated, structured client file to you.

How does the collaboration between me and Huub work?

By automating the preparatory work: collecting, verifying, and explaining happens upfront.

How does Huub help me save time?

Huub checks for completeness, readability, and consistency with previously entered data.

How are errors in documents detected?

Very reliable, through automatic checks, logging, and validation at the source (such as Ockto).

How reliable is the data that Huub collects?

Through machine learning and feedback from client interactions. Models are continuously improved.

How does Huub learn?

Yes. Both you and your client can provide feedback through a built-in feedback mechanism.

Can I provide feedback on Huub myself?

Yes. New functionality, regulations, or content updates are centrally managed and automatically rolled out.

Are updates automatically applied?

Huub uses large language models (such as OpenAI, Gemini), combined with a mortgage-specific knowledge core.

What AI technologies does Huub use?

Huub is modularly built: updates in legislation or acceptance criteria are added centrally.

How are new rules or products added?

Currently, Huub supports Dutch. Support for English is under development.

Does Huub support multiple languages or dialects?

Customer satisfaction increases, turnaround time decreases, and files are significantly more complete.

What are the results of Huub in practice?

Of course, you can ask me anything about mortgages and related financial matters. I'm here to help you with all your questions and concerns about finding the right mortgage. What would you like to know?

Of course, you can ask me anything about mortgages and related financial matters.

Can I ask Huub other questions too?

All about Huub

With a linear mortgage, you repay a fixed amount monthly, causing your monthly payments to decrease over time.

What does a linear mortgage mean?

A period during which your mortgage interest rate is fixed. This provides certainty about your monthly payments.

What is a fixed-rate period?

A bank guarantees the deposit to the seller, so you don't have to advance it yourself.

How does a bank guarantee work?

Advantage: equal monthly payments at the start. Disadvantage: you repay little at the beginning, leading to more interest over the term.

What are the pros and cons of an annuity mortgage?

Mortgage providers sometimes offer interest discounts for homes with a high energy label (A or better).

What does an energy label discount mean?

All about Mortgages

Yes. Huub is Wft-certified, ICTRecht-certified, AFM-compliant, and GDPR-compliant. Data is stored encrypted and only shared with explicit consent.

Yes. Huub is Wft-certified, ICTRecht-certified, AFM-compliant, and GDPR-compliant.

Is it safe to share my data with Huub?

With encryption, secure storage, and access control. Only authorized parties can view data.

How is my data secured?

Yes. Huub is fully GDPR-compliant. Attention is paid to data minimization, logging, and explicit consent.

Does Huub comply with GDPR?

Huub logs client interactions, validates documents, and ensures structure. Files are ready for inspection.

How does Huub support Wft or AFM obligations?

Yes. All steps, documents, and answers are automatically saved and logged.

Are client interactions logged?

Yes. You can access a complete log at the client level.

Can I view an audit trail?

All communication is end-to-end encrypted with strict access control.

How secure is the data communication?

Data and Security

Huub supports the advisor but does not replace them. Human advice remains central. Huub is the AI assistant that supports the advisor with the preparation and guidance of the mortgage process.

Huub supports the advisor but does not replace them. Human advice remains central.

Is Huub a replacement for my mortgage advisor?

That depends on your specific personal situation. Huub will fully guide you through this.

What information do I need to provide for my mortgage application?

Huub shows exactly which documents are needed based on your situation (such as payslips, employer's statement, bank statement, proof of own funds).

Huub shows exactly which documents are needed based on your situation.

What documents do I need to provide?

After each upload, Huub shows whether the document is complete and checks it for usability.

How do I know if my documents have been received correctly?

An employer's statement confirms your employment and income. You request it from your employer, usually through HR.

What is an employer's statement and where do I request it?

Huub provides an explanation for each document and explains why it's needed for your mortgage application.

Why do I need to provide a specific document?

You submit your documents directly through Huub. This ensures it happens in a secure way.

How do I upload my documents safely?

Huub shows the status of your application in your dashboard and which parts have been completed.

What is the status of my application?

Huub will fully guide you in this conversation and tell you what's still needed to complete your mortgage advice.

Where can I see what's still outstanding?

Huub will fully guide you in this conversation and tell you how far you are in the process.

How far am I in the process?

Huub asks questions and provides explanations for each section. If needed, you can ask your advisor for help.

How do I get help filling in my risk profile?

Yes. You remain in control and can always contact directly or resume the process.

Can I have the mortgage advisor take over the client process if needed?

Through smart validation, checklists, and automatic reminders to the client.

How does Huub ensure the file is complete?

The Service Agreement (OTD) is the official contract between you and the mortgage advisor. It states that you give the advisor permission to carry out the advice and mediation process on your behalf. The document contains agreements about the services, costs, and mutual responsibilities. Without a signed OTD, an advisor may not legally start the mortgage advice process.

The Service Agreement (OTD) is the official contract between you and the mortgage advisor.

What is the Service Agreement?

Have you completed the Financial Profile? Then schedule an appointment with the Huub Mortgage Advisor to discuss the next steps.

What is the next step after Financial Profile?

Mortgage Advice

That's no problem. You can already make a good rough calculation based on some basic information such as the expected selling price and the energy label of the potential property.

That's no problem. You can already make a good rough calculation based on some basic information.

I don't have a house in mind yet

The energy label affects how much you can borrow for a home. For an energy-efficient home (label A or better), you may receive up to €20,000 extra mortgage. Even with lower labels, you can borrow extra, but only for energy-saving measures. Because lower energy costs lead to more borrowing capacity, with a good label you can often borrow more than with a poor label.

The energy label affects how much you can borrow for a home. For an energy-efficient home (label A or better), you may receive up to €20,000 extra mortgage.

What is the influence of the energy label?

The maximum mortgage is the highest amount you can borrow for a home. This is calculated based on your income, fixed costs, and debts. The value of the property and the interest rate also play a role. It's the limit that determines what you can responsibly borrow according to the regulations.

The maximum mortgage is the highest amount you can borrow for a home.

What does Maximum Mortgage mean?

You can sometimes borrow more if your home has a good energy label or if you finance energy-saving measures. A higher or combined income can also increase your maximum mortgage. The interest rate and your fixed costs also play a role. However, you always remain bound by the legal lending standards for responsible monthly payments. Discuss this with the Huub Mortgage Advisor.

You can sometimes borrow more if your home has a good energy label or if you finance energy-saving measures.

Can I borrow more?

Yes, your monthly payments can go down by, for example, taking out a lower interest rate or refinancing your mortgage. Extra repayment also lowers your monthly payments because you have less debt. Energy-saving measures can lead to lower energy costs, reducing your total housing costs. You can also choose a longer term or a different mortgage type, although that may be more expensive in the long run. Discuss this with the Huub Mortgage Advisor.

Yes, your monthly payments can go down by, for example, taking out a lower interest rate or refinancing your mortgage.

All about Huub

All about Mortgages

Data and Security

Mortgage Advice

Maximum Mortgage

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