The Expat Mortgage Knowledge Base
The most complete, neutral, and authoritative resource on Dutch mortgages for internationals. Written for clarity. Reviewed by experts. Updated for 2026.
What Is This Knowledge Base?
This is a comprehensive educational resource designed specifically for expats and internationals navigating the Dutch mortgage market. Every article is:
- Written in plain English, avoiding unnecessary jargon
- Reviewed by AFM-registered mortgage advisors
- Updated regularly to reflect current rules and rates
- Neutral and educational—never a sales pitch
Who Is This For?
Whether you're just starting to explore buying property or already deep in the mortgage process, this knowledge base is designed for:
- Expats and internationals living in the Netherlands
- People planning to relocate to the Netherlands
- Anyone wanting to understand Dutch mortgages better
- HR professionals and relocation consultants
Browse by Topic
Explore our 10 knowledge categories covering everything from mortgage basics to complex edge cases.
Dutch Mortgage Basics
Foundational knowledge about how mortgages work in the Netherlands, from basic concepts to key terminology.
Mortgage Eligibility & Rules
Understand who qualifies for a Dutch mortgage, income requirements, and the criteria banks use to assess applications.
Expat-Specific Mortgage Topics
Unique considerations for internationals, including visa requirements, the 30% ruling, and non-EU pathways.
Buying Property in the Netherlands
The complete homebuying process, from search to key handover, including costs, contracts, and legal requirements.
Mortgage Calculations & Affordability
Deep dive into how borrowing capacity is calculated, the Nibud norms, and factors that affect affordability.
Mortgage Types & Interest Rates
Compare mortgage types, understand interest rate periods, and learn how to evaluate rate offers.
Legal, Tax & Notary Topics
The legal side of Dutch property ownership, tax implications, and important documents you'll encounter.
Mistakes, Risks & Edge Cases
Learn from common errors, understand the risks, and know what to do when things don't go as planned.
2026 Updates & Changes
Latest rule changes, updated limits, and what's new for Dutch mortgages in 2026.
Country Comparisons
How Dutch mortgages compare to home countries, helping expats understand the differences.
Start Here
New to Dutch mortgages? These essential articles will give you a solid foundation.
What Is a Mortgage in the Netherlands?
Can Expats Get a Mortgage Without Permanent Residence?
How Much Can I Borrow in the Netherlands?
The 30% Ruling and Your Mortgage
Complete Breakdown of Buying Costs
10 Common Mortgage Mistakes Expats Make
How Our Content Is Reviewed
We take accuracy seriously. Here's our review process:
Research
Content is researched using official sources, Dutch legislation, and verified bank policies.
Expert Review
Every article is reviewed by an AFM-registered mortgage advisor for accuracy.
Clarity Check
Content is edited for plain English, ensuring accessibility for non-native speakers.
Regular Updates
Articles are reviewed quarterly and updated when rules or rates change.
AFM-Registered Mortgage Advisor