Expat Mortgage Advice in the Netherlands: Secure Your Dream Home

Even with a steady income, every Dutch mortgage application is tailor-made. Lenders don't just look at your current salary; they evaluate your specific employment contract (whether fixed or temporary) and your future career growth in the Netherlands.

By choosing our specialized expat mortgage expertise, you benefit from:

• Independent Advice: We compare nearly 40 Dutch lenders  to find the lowest interest rates and the best mortgage conditions for your unique financial situation.
• Expat Expertise: Our certified advisors truly understand the specific challenges and tax regulations that international professionals face in the Dutch market.
• High Success Rate: We ensure your mortgage application is perfectly prepared to meet the strict requirements of Dutch banks.
• Full Support: From your initial maximum mortgage calculation to the final signing at the notary, we manage the entire process for you in English.
• Free Initial Meeting: Get a clear picture of your borrowing options and potential monthly costs without any upfront fees.

Ready to take the next step?  Book your free consultation today and speak directly to a mortgage specialist who understands your journey.

As an employee, your borrowing capacity is primarily based on your gross annual income.

Key facts for your mortgage:

• Maximum Loan: You can borrow up to 100% of the property's market value.
• Sustainability: You can finance up to 106% of the value if you invest in energy-saving improvements for your new home.
• 30-Year Term: Most mortgages in the Netherlands are repaid over a 30-year period.
• Tax Benefits: To qualify for mortgage interest deduction (hypotheekrenteaftrek), you are required to repay the loan using a fixed schedule, such as an annuity or linear mortgage.

1. Initial Indication: Use our online tool to get an immediate estimate of your maximum mortgage based on your salary.

2. Personal Consultation: Meet with one of our specialists to create a concrete, tailor-made financial plan.

3. Bidding with Confidence: We can provide a Bidding Certificate (biedingscertificaat), showing sellers you have the financial backing to make a serious offer.

4. Final Approval: We handle the communication with the bank and ensure your mortgage is finalized smoothly.