Mortgages for expats in the Netherlands

Buying a property as an expat in the Netherlands. Learn more about how things work here on the area of financing, taxes and legal.

Mortgages for expats

Whether you are on the hunt to buy your first apartment or house, or maybe you are looking into buying a property to rent out, buying a property is one of the biggest financial decisions most people make in their life. It’s great to know that buying a property in the Netherlands is a great financial investment, when done the right way.

Independent expat mortgage advice

Most people buying a property will need a mortgage to finance it. But how do you know what mortgage best matches your situation and where do you get the best advice? You could go to your bank which can offer you different Dutch mortgages and repayment schemes. It’s easy, but is this always the best way to go? We don’t think so. Banks will only offer you their products. How do you know this is the best expat mortgage out there for you?

As an independent expat mortgage advisor we only work in your best interest. We look at your situation, what your preferences are, and select a mortgage provider and product that best matches this. We work with a broad selection of banks, insurance companies, and other mortgage providers in The Netherlands with appealing interest rates and terms & conditions for expat clients. Our goal is to give you clear information on all the options out there and a smooth application process. We are experts in dealing with more complicated situations that expat clients face. Different type of residence permits, income abroad or foreign currency, tax exemptions & 30% rulings or switch to buy-to-let when you decide to move abroad again, advising you well in these situations is what sets us apart.

The costs of an expat mortgage in the Netherlands

Good advice costs money. As it is for expat mortgage advice. But our advisors do more than just give advice. We make a list of all your personal wishes, give advice that matches this, mediate towards the bank, and make sure everything gets taken care of well. In the past mortgage advisors in the Netherlands received a commission from banks, nowadays this is different. Your mortgage advisor only invoices clients directly. This offers you advantages: you know the costs upfront and it allows us to remain completely independent in our advice. For all our services we have competitive fees. Our first intake meeting is also always for free, to give you a good impression of who we are and what we can offer you. Finally, when you decide to use our services we will put on paper what you can expect from us.

The costs related to mortgages and buying a property

When buying a house in the Netherlands you will also have to pay other costs. Some examples of this are transfer tax and fees for the notary or market value report. In our blog about costs related to buying a property we have listed the most common you will come across.

How much money can I borrow?

This will probably be one of the first questions on your mind. How much you can borrow depends mostly on your income and the current Dutch mortgage interest rates. Online you will be able to find mortgage calculator tools which can give you a good impression on your maximum borrowing capacity. But with interest rates changing, various different types of income components (such as bonus, 13th month, or allowances) and different accepting policies of banks it always pays off to have us go through this with you. Contact us to book a free intake meeting so we can give you a detailed answer.

Tax deductibility

In order to be eligible for a tax deduction on your mortgage interest payments it is a requirement in The Netherlands that the loan is paid back on an annuity or linear repayment scheme.

What is also good to know is that expenses to obtain a mortgage are also tax-deductible. Examples are our mortgage advisory fees, as well as the fees for the mortgage deed and market value report. We can even help you claim your tax deduction.

Already a homeowner?

When you’re thinking of refinancing or your mortgage interest fixed term is coming to an end, we can help evaluate the different mortgage products available on the market. With low-interest rates right now this is definitely something to consider. We will find you a mortgage that suits your situation with low monthly payments.

Our clients choose us for:

  • Customized and all-inclusive assistance
    We understand that every expat’s situation is unique, that’s why we offer a tailored and comprehensive assistance that addresses all your needs from the beginning to the end.
  • Full-service support
    Whether you need help getting familiar with the process or assistance at the notary, we’re here to guide you every step of the way.
  • Efficient communication with expat-friendly banks
    We have established relationships with banks that understand the needs of expats and are committed to providing exceptional service.
  • Flexible scheduling
    We understand that expats have busy schedules, that’s why we offer flexible office hours to accommodate your needs.
  • Transparent and fair pricing
    We believe in being upfront about our fees and providing a fair flat fee for our services.
  • Direct client communication
    We value open communication and will keep you informed every step of the way. We’ll be in direct contact with you to discuss bidding and any other concerns you may have.
  • Coordination with real estate agents
    We understand the importance of a smooth transaction and will work closely with your real estate agent to ensure everything runs smoothly.
  • Building Inspection, valuation and notary
    We go the extra mile and take care of all the necessary inspections and appointments, including arranging a building inspection, property valuation and notary appointment.

Expert Expat Mortgages Service – Schedule Your Consultation Today”

Ready to take the next step and learn more about our expert expat mortgages service? Looking to schedule a consultation? Our team is here to help! Don’t hesitate to contact us for more information or to schedule your appointment today.

See also

Do you have any questions?

Don’t hesitate to reach out to us with any questions you may have about mortgages for expats or buying a house in the Netherlands as an expat. You can contact us via our online form or reach out to David or Erik directly via Whatsapp, either way we are here to help you and answer your question as soon as possible.

The lenders we compare:

Our clients choose us for:

  • Customized and all-inclusive assistance
  • Full-service support
  • Efficient communication with expat-friendly banks
  •  Flexible scheduling
  • Transparent and fair pricing
  • Direct client communication
  • Coordination with real estate agents
  • Arranging building Inspection, valuation and notary
Explore mortgage possibilities
David Kamp
Erik Vulhop
  • Sadeestraat 20
    2596 XC Den Haag

Vergunningsnummer: 12048898

Aansluitnummer: 300.018.336


Advieskeuze: Gecheckt