Welcome and context
I explain how it works. You consent. We start.
HOW IT WORKS
Eight steps, fifteen minutes, one advisor.
How the orientation conversation really goes. Including what the AI does and doesn't do.
ROLES
Who does what.
The AI prepares
- Conducts the intake conversation
- Collects and structures your data
- Calculates scenarios and flags complexity
- Builds the file
- Communicates with lenders
- Works 24/7, consistently
The advisor decides
- Reviews every file personally
- Conducts the core conversation with you
- Makes the final advice decision
- Carries liability
- Reviews, decides and signs under Wft license
- Is reachable for your questions
THE EIGHT PHASES
The eight phases.
Personal situation
Family composition, living situation, age. The basics.
Income and employment
Gross annual income, contract type, partner income, debts. Everything lenders want to know.
Housing wish
Purchase price, property type, NHG relevance, energy label.
Preliminary calculation
Indication of maximum mortgage based on housing-quote test. With a note on the rate used.
Three scenarios
10, 20, 30 year fixed side by side. Insight, not choice. The advisor makes the final choice.
Flags
What's complex in your situation. Not a judgment, but guidance for the conversation with your advisor.
Closing
Summary, scenario report, and your decision moment: continue to intake or think about it.
HARD CUTOFF
When the AI stops earlier.
In some situations the agent shows NO three scenarios. Not because it can't, but because it would be misleading. In those cases the agent jumps straight from phase 5 to phase 7 and explains honestly what the advisor should review. Examples: BKR registration, purchase price higher than financeable, non-standard collateral like a monument, or a complex life event such as an ongoing divorce.
THE END PRODUCT
After the orientation: the advice report.
An orientation is the beginning, not the endpoint. After the orientation and intake comes a Wft-compliant advice report: reviewed, discussed and finalised by a certified advisor.