1. About Independent Expat Finance

Independent Expat Finance (“we”, “us”, “our”) provides independent mortgage advice and related financial guidance, primarily for expats living in or moving to the Netherlands.

We act independently and always in the interest of our clients — not banks or lenders.

2. Scope of our services

Our services may include, but are not limited to:
• Mortgage advice and mediation
• Financial guidance related to buying property in the Netherlands
• Mortgage calculations and scenario assessments
• Assistance with applications, documentation, and lender communication

Unless explicitly agreed otherwise in writing, we do not provide:
• Legal advice
• Tax advice
• Investment advice

Where needed, we may refer you to trusted third-party professionals.

3. No obligation & indicative information

Information on our website, tools (including calculators), emails, and calls is provided for informational purposes only.
• Mortgage calculators provide non-binding estimates
• Outcomes depend on lender criteria, documentation, and personal circumstances
• No rights can be derived from estimates or preliminary assessments

A mortgage is only confirmed once a lender has issued a formal offer.

1. About Independent Expat Finance

Independent Expat Finance (“we”, “us”, “our”) provides independent mortgage advice and related financial guidance, primarily for expats living in or moving to the Netherlands.

We act independently and always in the interest of our clients — not banks or lenders.

2. Scope of our services

Our services may include, but are not limited to:
• Mortgage advice and mediation
• Financial guidance related to buying property in the Netherlands
• Mortgage calculations and scenario assessments
• Assistance with applications, documentation, and lender communication

Unless explicitly agreed otherwise in writing, we do not provide:
• Legal advice
• Tax advice
• Investment advice

Where needed, we may refer you to trusted third-party professionals.

3. No obligation & indicative information

Information on our website, tools (including calculators), emails, and calls is provided for informational purposes only.
• Mortgage calculators provide non-binding estimates
• Outcomes depend on lender criteria, documentation, and personal circumstances
• No rights can be derived from estimates or preliminary assessments

A mortgage is only confirmed once a lender has issued a formal offer.