Expat-Specific Mortgage Topics
Unique considerations for internationals, including visa requirements, the 30% ruling, and non-EU pathways.
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Can Expats Get a Mortgage Without Permanent Residence?
Yes, in most cases. Learn which visa types qualify, what banks look for, and how to strengthen your application as an international without permanent residency.
The 30% Ruling and Your Mortgage: Complete 2026 Guide
How the Dutch 30% ruling affects your mortgage capacity, what happens when it ends, and strategies for maximizing your borrowing power while planning for the transition.
Mortgages for Highly Skilled Migrants (Kennismigrant)
Specific guidance for kennismigranten on qualifying for a Dutch mortgage, including documentation requirements, bank preferences, and common pitfalls.
EU vs Non-EU Citizens: Mortgage Differences Explained
Compare the mortgage process, requirements, documentation, and bank preferences for EU citizens versus non-EU nationals buying property in the Netherlands.
Using Foreign Income for a Dutch Mortgage
Can you use income earned abroad? Learn how Dutch banks assess foreign income, currency considerations, documentation requirements, and which lenders are most accommodating.
What Happens to Your Mortgage If You Leave the Netherlands?
Planning to relocate? Understand your options for keeping, renting out, or selling your Dutch property when moving abroad, including tax and bank permission implications.
Mortgages for Remote Workers in the Netherlands
Working remotely for a foreign employer while living in the Netherlands? Understand the specific challenges and solutions for getting a Dutch mortgage.
Mortgages for International Couples in the Netherlands
When one partner is Dutch and one is international, or both are expats—understand how income, residency status, and joint applications work.
What If My Visa Is Expiring? Mortgage Options
Guidance for expats whose residence permits are nearing expiration, including how this affects existing mortgages and new applications.
Can You Get a Mortgage While Studying in the Netherlands?
Options for international students who want to buy property, including part-time income considerations and guarantor arrangements.
Getting a Mortgage as a Recently Arrived Expat
Just moved to the Netherlands? Understand the timeline, what you can prepare, and realistic expectations for your first year.
Dutch Banks That Specialize in Expat Mortgages
Overview of which Dutch lenders are most expat-friendly, their specific requirements, and how to choose the right bank for your situation.
Mortgages for American Expats in the Netherlands
US-specific considerations including FATCA complications, US tax obligations, and which Dutch banks work with American clients.
Mortgages for British Expats in the Netherlands (Post-Brexit)
What UK citizens need to know about Dutch mortgages after Brexit, including residence requirements, income documentation, and lender considerations.
Mortgages for Indian Expats in the Netherlands
Specific guidance for Indian nationals including visa considerations, income documentation from India, and understanding the Dutch mortgage system.
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