Your Trusted Expat Mortgage Advisor in the Netherlands

The Dutch housing market offers excellent opportunities for expats, but navigating the mortgage process as an international requires specialist knowledge. From understanding lending criteria to leveraging tax benefits like the 30% ruling, having the right guidance makes all the difference.

In the Netherlands, you can borrow up to 100% of the property value, though buying costs (4 – 6%) must come from your own savings. Banks typically lend 4 – 5 times your gross annual income, and with a partner, the second income is included at up to 80%. For properties under €450,000, the Nationale Hypotheek Garantie (NHG) provides a government-backed guarantee that unlocks lower interest rates — saving you thousands over the mortgage term.

Expats face unique challenges: temporary contracts, foreign income verification, residence permit requirements, and understanding Dutch tax benefits. That's why working with an expat mortgage specialist is essential. Our AFM-registered advisors compare offers from 100+ Dutch lenders, including those that specialise in international clients and don't charge expat surcharges on interest rates.

Ready to explore your options? Use our free mortgage calculator to estimate your borrowing capacity, or check current Dutch mortgage interest rates to see what you'd pay monthly.