Maintence work paid for via your mortgage
vixx takes care of it.

Owning a property has its pros and cons. Maintenance is one of the downsides, as this could become rather expensive. In this blog you can read how Gerald and Erna carried out some proper maintenance to their property, without it costing them a large amount of money.


Gerald and Erna, 43 and 41 years old, own a property in Utrecht where they live with their family. They moved here 10 years ago and are very happy: they love the area, the 1930’s property has a lot of character and the central location of the house makes it perfect for their daily commute. However, after living here for 10 years some serious maintenance work had to be carried out as such a charming house also has its defects.

Their wish
carrying out maintencance work

Gerald and Erna’s house was in great condition however it could do with some maintenance work. The windows and window frames were over 25 years old, the paint work needed more than a touch up and they wanted to look into installing solar panels as for Erna, sustainability is very important.

The challenge
spending as little of their own money as possible

Solar panels, paintwork, new windows and window frames: the total amount could add up to tens of thousands of euros. You could finance this using your own money, but is this the most sensible solution? It is obviously important when all this is taking care of, but let’s be honest: there are nicer ways to spend your money. Gerald and Erna are planning on booking an exotic holiday with the family and buying a new car is also on their wish list. They want to carry out some maintenance work on their house and improving its sustainability, but they also want to keep enough money to spend on things they enjoy.

Vixx’ advice
use the favourable market to your advantage

Gerald and Erna came to see Vixx to help them deal with the challenge they were facing. We made a so-called ‘financial picture’ to gain insight into their financial situation, which helps making the right decisions. The financial picture showed there was enough money in their savings account to carry out all the maintenance work required, and that there was also a large amount of capital gain on their property.

Together with their Vixxer, Gerald and Erna decided to increase their mortgage and switch to another mortgage provider to benefit from lower interest rates. As a result, a higher amount of money became available to cover the maintenance work. Another advantage of the lower interest rate is that you could end up paying less on a monthly basis. In Gerald and Erna’s case, their monthly charges increased less than expected, even though they took out the capital gain on their property.

Current situation
enjoying the things that really matter

A couple of months later, Gerald and Erna’s property is up to date again. The paintwork has been carried out and they installed new window frames and solar panels! They are ready for the years to come. They also booked a beautiful family holiday to Bali, using the savings which they did not have to spend on maintenance work!


Book a Vixx Mortgage Update!

Do you want to find out if you can benefit from the favourable market conditions and if Vixx can help you? Get in touch with your Vixxer or request a Vixx Mortgage Update right away!

Vixx Mortgage Update


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