Why a Good Mortgage Advisor is Essential When Buying Real Estate in Curacao

Why an expert mortgage advisor is essential

Buying a home in Curacao is an important investment. In addition to the fiscal advantages and obligations, financing also plays a crucial role. Good mortgage advice can make the difference between a successful purchase and a financial risk.

A recent court case ( ECLI:NL:RBOVE:2025:229 ) has shown how an incorrectly handled financing reservation can lead to high fines. This article shows why an experienced mortgage advisor is indispensable.

The consequences of an incorrect financing condition

This lawsuit involved buyers who wanted to purchase a vacation home in Curacao. The purchase agreement contained a financing condition, which required the buyers to provide at least two rejections from lenders for a mortgage. They failed to comply:

• They only provided one rejection instead of two.

• The rejection was submitted too late, after the October 6, 2023 deadline.

• The documentation provided was insufficient to demonstrate that the financing could not be obtained.

• The seller or broker was not notified correctly and within the specified time frame.

As a result, their reliance on the financing condition was declared invalid and they had to pay the contractual penalty in full. The court rejected their request for mitigation of the penalty.

Prevent financial risks with expert advice

This case highlights the importance of a expert mortgage advisor . A good advisor helps with:

• Correctly and timely invoking a financing reservation.

• The best financing conditions.

• Finding suitable lenders and requesting multiple quotes.

  
  

  

  
  

A mortgage advisor as your security partner

Buying real estate, especially abroad, involves complex financial and legal issues. An experienced mortgage advisor not only provides insight into the financing options, but also ensures that you meet all contractual requirements. This prevents situations such as the recent lawsuit and protects you from high fines and legal disputes.

Do you want to invest in real estate in Curacao without worries? Then contact us and prevent financial and legal problems. And of course enjoy the best conditions. Contact us today for a free consultation.