Expats and mortgage
Buying a house as an expat in the Netherlands can be an exciting process, but there are certainly several things you need to consider. Here is an overview of the steps and factors involved in obtaining a mortgage as an expat. With our experience, we are happy to guide you through the entire process.
Mortgage options
In the Netherlands, expats often have access to mortgages, but the conditions can vary depending on your situation. There are specific types of mortgages aimed at expats. We'll explain to you what the banks consider important, such as for example your income, employment status, and the duration of your stay in the Netherlands.
Income and employment status
- Income: Banks typically use your gross income as a basis. If you have a temporary contract, the bank may consider your income less stable, which can affect the maximum mortgage amount.
- Duration of stay: You often need to have lived and worked in the Netherlands for at least one year to be eligible for a mortgage.
- Work permit: You often need a work permit or a valid residence status to obtain a mortgage.
Maximum mortgage
The amount of your mortgage is often dependent on your income and the value of the house. The maximum loan you can get in the Netherlands is determined by the loan-to-value ratio (LTV), which in 2025 is typically around 100% of the house's value. This means you will likely need to contribute your own money for additional costs of the purchase, such as transfer tax, notary fees, etcetera.
Why choose us?
At our firm, reliability and expertise are at the heart of everything we do. Our clients value our professional approach and the clear, straightforward explanations we provide, ensuring they feel confident and well informed throughout the entire process.
We believe that complex financial and mortgage matters should be easy to understand. That is why we take the time to simplify every step, helping you make informed decisions without unnecessary jargon or confusion.
As an independent mortgage advisor, we work with nearly all lenders in the Netherlands. This allows us to objectively compare a wide range of options and find the mortgage solution that best fits your personal situation and goals.
Personal attention is central to our service. We understand that every client is unique, which is why we provide tailored advice designed around your specific needs and circumstances. You can count on dedicated guidance from start to finish.
To make the process as convenient as possible, we offer flexible appointment options. You can schedule a meeting online or in the comfort of your own home, including evenings and Saturdays.
We are available seven days a week to answer your questions and support you whenever you need us. Whether you are employed, self-employed, looking to refinance an existing mortgage, or buying your first home, we are here to help.
Most importantly, we believe there are often more opportunities available than people realize. By exploring all available options and thinking beyond the obvious solutions, we help you discover possibilities that can make your homeownership plans a reality.