Mortgage Eligibility & Rules
Understand who qualifies for a Dutch mortgage, income requirements, and the criteria banks use to assess applications.
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Income Requirements for a Dutch Mortgage
Detailed breakdown of how different income types are assessed, including permanent contracts, temporary employment, bonuses, and allowances.
Can You Get a Mortgage with a Temporary Contract?
Yes, you can. Learn how Dutch banks assess temporary employment contracts, which lenders are most flexible, and what conditions improve your chances.
Mortgages for Self-Employed (ZZP) in the Netherlands
Comprehensive guide for freelancers and entrepreneurs on how to qualify for a Dutch mortgage, including required documentation, income averaging, and specialist lenders.
Getting a Mortgage During Your Probation Period
What options do you have if you're still in your probation period? Learn about employer declarations, timing strategies, and which banks are most flexible.
How Student Debt Affects Your Dutch Mortgage
Understanding how DUO student loans and other educational debt impacts your maximum borrowing capacity, with 2026 calculation examples.
BKR Credit Check: What Dutch Banks See About You
Everything about the Dutch credit registration system (BKR), what gets registered, how long records stay, and how it affects your mortgage application.
Age Limits for Dutch Mortgages: What to Know
How age affects your mortgage options, maximum terms available at different ages, and special considerations for older borrowers.
Using Pension Income for a Dutch Mortgage
How retirement income is assessed for Dutch mortgages, including AOW, company pensions, and foreign pension rights.
Using Business Income (BV) for a Dutch Mortgage
How income from your own BV is assessed, the difference between salary and dividends, and strategies to maximize your borrowing capacity.
Mortgages for DGA (Director-Grootaandeelhouder) Explained
Specific guidance for company directors who are also shareholders, including the interplay between personal and business finances in mortgage applications.
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