I think the two words that come to mind immediately are reliability and dependability. Special thanks to Roy and Joyce for literally taking us hand-in-hand through the labyrinth acquiring a mortgage and purchasing a house in the Netherlands… in a very agile way during the period of the pandemic when the market and the mortgages were “changing acrobatically every week”. Thank you Roy for being there to patiently answer every single question (often several times) and giving me all the information I needed to make confident decisions. Thanks to the whole team of Xpat mortgages for making me feel that I count and I m not just a “supermarket customer”. And thanks to my friend that recommended me Xpat mortgages