We have access to more than 35 mortgage providers.
Including our Priority-Service partners ING and ABN AMRO
Built for expats. The best choice for your next step
Tailored to your situation
Every expat’s story is different. Maybe you’re buying your first home. Maybe you want
to move to a new place. Or you want a better mortgage rate. Whatever your situation, we’re
here to guide you.
Need support beyond your mortgage?
Your Dutch Home, our real estate agency for expats, guides you through every step of buying a property. From viewing to negotiating and understanding contracts. Clear advice, no surprises.
Insurance that completes
your mortgage journey
We help you arrange insurance as part of your mortgage process, tailored to your needs. This includes home insurance, life insurance and disability coverage. Moving abroad? We can also advise on expat health insurance. Every recommendation matches your property, risks, and financial reality. No generic packages, no surprises, but just the protection you need.
Expats we’ve already guided
Our Priority Service for fast mortgage approval
In 2026, we’re proud to be a priority
partner of ABN AMRO and ING again. Your application gets fast-track review by their specialized teams within 24–48 hours. With our optional priority route, we aim to secure your mortgage approval within the 3 day cooling-off period
Our Priority-service partners
What this means for you
Frequently Asked Questions
Are there special considerations for expats with income from abroad?
Yes. If your income is paid abroad or in another currency, fewer lenders are available.
When your income is in a foreign currency, lenders usually apply a 10% deduction to cover currency-fluctuation risk.
I have the 30% ruling, can I borrow more?
The 30% ruling lowers your taxable income, which can increase your borrowing capacity. But because the ruling lasts for just five years, you will need a custom mortgage set up to be able to benefit from this. Only a limited number of mortgage providers will allow this. We can help you make a selection.
Which mortgage types are available, and which qualify for tax deductions?
In the Netherlands, most expats choose either an annuity mortgage (annuïteitenhypotheek) or a linear mortgage (lineaire hypotheek). Both must be repaid within a maximum of 30 years and are currently eligible for mortgage interest tax deductions (hypotheekrenteaftrek). Interest-only mortgages are usually not tax-deductible anymore.
Can expats get a mortgage without permanent residency?
Yes, many expats can. With a valid residence permit and steady income, you can often take out a mortgage even with a temporary contract. Lenders usually ask for a letter of intent or proof that your employment will continue.
If you’re a Highly Skilled Migrant or have a UK Withdrawal Agreement permit, you can normally finance up to 100% of the property value. We will help you understand what applies to your situation.
Why choose an independent mortgage advisor?
Going directly to a bank can limit your options. At Independent Expat Finance, we compare interest rates, terms, and acceptance policies across many Dutch lenders. With our deep knowledge of both lenders and expat situations, we guide you through the entire process and maintain a high success rate. That means a mortgage solution tailored to your needs, with expert support every step of the way.
You don’t have to
figure this out alone.
We’ll guide you step by step,
all the way to your new home.
