We have access to more than 35 mortgage providers.
Including our Priority-Service partners ING and ABN AMRO
Your independent mortgage partner in the Netherlands
Many expats first talk to their bank. That often means fewer options. As an independent advisor, we compare more than 35 mortgage lenders. We look beyond interest rates and focus on what really matters for expats: acceptance policies, income types, and residence permits.
We understand expat situations, including foreign income, temporary contracts, the 30% ruling, and tax considerations. That expertise leads to a very high success rate.
During your intake session, we give you immediate clarity. You’ll know if you qualify for a mortgage, how much you can borrow, what your monthly costs look like, and what to expect in the Dutch housing market. Clear answers. No guesswork. Confidence from the start.
Tailored to your situation
Living abroad brings financial uncertainties, whether you’re a seasoned resident of the Netherlands or a recent arrival settling into a new apartment. At times like these, expats often require financial guidance and that’s where we step in to assist.
Need support beyond your mortgage?
Our sister company Your Dutch Home guides expats beyond financing, from
first viewing to negotiation and contract clarity.
Book a free consultation
Our goal is to get you the best possible expat mortgage that fits your situation and wishes.
Frequently Asked Questions
Do I need a down payment?
You can borrow up to 100% of the property value, but buyer’s costs must be paid from your own funds. The property value might be different then the amount you offered. In that case, you also need to pay the difference at least.
Can the mortgage process be completed in English?
Some larger lenders offer full mortgage guidance and documentation in English. But the official documents from the lender or the notary, such as the mortgage offer or deeds, will always be in Dutch. All our mortgage advisors speak English fluently and go through the documents with you.
Do I need a Dutch bank account to get a mortgage?
Yes. A Dutch bank account is required for mortgage payments and related transactions. If you want to apply for a mortgage with a bank then they will even require that you have a bank account with them. If you apply with another type of lender, such as an insurance company, then you can have your bank account at any Dutch bank.
What are the fees for a mortgage advisor?
Fees between mortgage advisors vary but are usually fixed. In case you are buying a property for your primary residence, then mortgage advisor fees could often be tax-deductible. Independent mortgage advisors often charge a higher fee then an advisor working for the bank. But you will often get a far more comprehensive service and most importantly the independent advisor can compare different mortgage lenders rates, terms and conditions. This could eventually save you money on a monthly basis. We have listed our fees on our website here.
In case I overbid on a property, do I have to pay the difference compared to the asking price from my own savings?
Not necessarily. The asking price is generally irrelevant. What is important is the valuation that you will arrange once your offer has been accepted. You can finance up to 100% of the property value, so in case the value is lower than the purchase price, then that is the difference you have to pay from your own savings. In many cases even with high overbid amounts we see valuations very similar to the purchase price.
Our Priority Service for fast mortgage approval
A fast, optional route for buyers who need certainty quickly. It offers a faster assessment of your financial position and the likelihood of approval.
Our Priority-service partners
What this means for you
You don’t have to
figure this out alone.
We’ll guide you step by step,
all the way to your new home.
