Buying a home in a new country is an exciting milestone, but navigating the local housing market and financial rules can be a challenge. We are here to make it simple.
You provide us with your information and wishes, and our expert expat mortgage brokers will guide you through the entire application process. From the first calculation to receiving the keys, we take care of your mortgage. 100% digital, transparent, and tailored to your unique situation.
We have streamlined our process to save you time and eliminate stress. Here is your step-by-step guide to becoming a homeowner:
Yes, absolutely! Even if you have just arrived, hold a non-EU nationality, or don't speak Dutch, getting a mortgage is highly feasible. Dutch lenders generally look at your income stability, employment contract, and the type of residence permit you hold. Our experts know exactly which lenders are most expat-friendly.
The 30% tax facility is a huge advantage. Because it significantly increases your net income, some Dutch banks and lenders will take this higher net income into account when calculating your borrowing limit. This means you might be able to get a higher maximum mortgage. We can calculate exactly how this impacts your budget.
Not necessarily. While a permanent contract makes things easier, you can still get a mortgage with a temporary contract if your employer provides a 'Statement of Intent' (intentieverklaring). Even if you are a freelancer or entrepreneur, there are plenty of specialized mortgage options available for expats.
Unlike many other countries, you can finance up to 100% of the property's market value in the Netherlands. However, you will need to use your own savings to cover the additional purchasing costs (kosten koper or k.k.), such as the notary fees, transfer tax, and our brokerage fee. These costs are typically around 4% to 6% of the purchase price.
The Dutch housing market moves fast, and the tax and mortgage systems can be highly complex. We speak your language, translate Dutch financial jargon into plain English, and understand expat-specific situations (like foreign assets or tax rulings). Best of all, our fully digital process saves you time and paperwork.