Are you employed by an international organization like the Europol, or the European Medicines Agency (EMA)? Perhaps you work at the NATO Communications and Information Agency, the European Space Agency (ESA/ESTEC), or even the International Criminal Court (ICC)? If so, you might be wondering about your options for obtaining a mortgage.

Unique tax considerations

As an international official, you may not pay taxes or pay very little in the Netherlands. This can lead to a unique situation when it comes to securing a mortgage. One significant factor to consider is that you won’t be eligible for mortgage interest deduction benefits, which are typically available to regular employees. This can complicate your financial planning and mortgage application process, but it doesn’t mean that owning a home is out of reach.

Opportunities await

The good news is that there are still options available for international employees looking to buy a home in the Netherlands. Understanding the mortgage landscape is crucial, and we can help navigate it. There are specific lenders who are experienced in working with international officials and understand the intricacies of your situation.

Grossing up your income

One of the strategies available is “grossing up” your net income. By doing this, you can create a hypothetical gross income that may qualify you for a mortgage. This means that even without the typical tax benefits, lenders can assess your borrowing capacity based on this adjusted figure. It’s an effective way to present your financial standing in a more favorable light.

Personalized guidance

Do you want to know more about what’s possible in your specific situation? Our team is ready to provide personalized advice and assistance tailored to your unique circumstances. We can help you identify suitable lenders and guide you through the application process, ensuring you have the best chance of securing a mortgage.