I spoke with the mortgage adjuster this morning and it was decided that we meet on Friday to discuss things. He said that I should be able to borrow enough to buy that apartment I was looking at. This mortgage adjuster will drive to Hoofddorp to meet me on Friday morning and he doesn't charge anything. All his costs are covered by his percentage, that the bank that I will finally get the mortgage from, will pay to him. He contacts few banks and loan sharks to get good loans for me and they pay him.
My coworker Johan has offered to give me his old broken bike, I think I'll end up accepting that. All real Dutch people have more than one bike. :D