Secure mortgage approval within the 3-day cooling-off period
In a competitive Dutch housing market, speed and certainty can make the difference between winning or losing a property.
Our Priority Service is designed for buyers who want to make a strong offer without a financial clause, while still protecting themselves during the legal 3-day cooling-off period. Through our priority partnerships with ING and ABN AMRO, your mortgage application can be fast-tracked and reviewed by specialized teams within 24–48 hours. This allows us to aim for mortgage approval before the cooling-off period ends.
In practice, this means you can submit a stronger offer while keeping control over your financial risks.
Why buyers choose our Priority Service
In many parts of the Netherlands, sellers increasingly prefer offers without a financial clause. These offers give the seller more certainty that the purchase will go through. For buyers, however, this can feel risky. Without a financial clause, you commit to buying the property even if the mortgage is not approved.
Our Priority Service helps bridge that gap. By preparing your mortgage application in advance and submitting it through fast-track channels with ING or ABN AMRO, we aim to secure approval within the cooling-off period. This gives you the competitive advantage of a stronger offer combined with financial clarity.
What this means for you
With our Priority Service you can:
- Secure fast mortgage approval; Applications are reviewed by specialized teams and often approved within 24–48 hours.
- Strengthen your position when making an offer; Offers without a financial clause are typically more attractive to sellers and real estate agents.
- Reduce uncertainty during the purchase process; You receive clarity about your mortgage very quickly after your offer is accepted.
- Move through the process with confidence; Our advisors prepare your application carefully so everything is ready when you bid.
Our Priority Partners
This service is possible thanks to our cooperation with ING and ABN AMRO, two lenders that operate specialized teams for fast mortgage assessments. These teams are able to review mortgage applications significantly faster than standard processing timelines at most lenders. Unfortunately, many other lenders cannot process mortgage applications within the required timeframe for this service. Because of these partnerships, we can offer expats a unique route to faster mortgage approvals when speed matters most.
How the Priority Service works
The key to this service is preparation before you place your bid.
Step 1 — Financial review
We analyse your income, employment situation, residence permit and financial position to confirm your maximum borrowing capacity.
Step 2 — Mortgage application preparation
Your mortgage file is prepared in advance so it can be submitted immediately when you will sign the purchase agreement.
Step 3 — Fast-track submission
Once you sign the purchase agreement, we submit your application directly to ING or ABN AMRO’s priority teams.
Step 4 — Accelerated review
Your application is assessed by specialists within 24–48 hours.
Step 5 — Mortgage approval
In over 90% of the cases, approval is received within the 3-day cooling-off period, giving you quick clarity about your financing.
Example Scenario: How Priority Service works in practice
Imagine you find a property you love and your real estate agent expects several competing bids. Your agent advises that offers without a financial clause are more attractive to the seller. Before placing your bid, we carefully review your financial situation and prepare your mortgage file.
After you have signed the purchase agreement, the 3-day cooling-off period begins. We immediately submit your application through the priority channel with ING or ABN AMRO. Within 24–48 hours, the lender reviews the application and provides a mortgage approval.
This allows you to confirm your financing during the cooling-off period. If anything unexpected and major would arise, you still have the legal option to cancel the purchase during this period.
The result: a stronger offer with much less uncertainty.
Buying a house in the Netherlands without a financial clause
In the Dutch housing market it is becoming increasingly common for buyers to place offers without a financial clause. Sellers often prefer these offers because they reduce the risk that a transaction falls through due to financing issues.
For buyers, however, this can feel uncomfortable if the mortgage is not yet approved. Our Priority Service is specifically designed for this situation. By preparing your application in advance and submitting it through accelerated review channels, we can often obtain mortgage approval within 24–48 hours.
For expats buying property in the Netherlands, this can significantly increase the chances of winning a bid in a competitive market.
When is Priority Service useful?
This service can be particularly helpful if:
- you are bidding in a competitive housing market
- you want to increase your chances of winning a property
- you want to bid without a financial clause
- you want fast clarity about your mortgage approval
Our advisors will always assess whether this approach makes sense for your personal situation.
Cost of the Priority Service
The Priority Service is an optional add-on to our mortgage advisory service.
Fee: € 300,-
This covers the additional preparation, coordination and fast-track handling required to submit and manage your mortgage application within the accelerated timeline.
Important to know
While we aim to secure mortgage approval within the cooling-off period, approval always remains subject to the lender’s final assessment and the completeness of the application. This is why proper preparation before placing your bid is essential.
Our advisors will guide you through this process step by step.
Want to know if Priority Service is right for you?
If you are planning to bid on a property and want to strengthen your position, we can explain whether Priority Service is suitable for your situation. Book a free consultation and we will walk you through the possibilities.
You don’t have to figure this out alone.
We’ll guide you step by step, all the way to your new home.
