Visa-Based Guide
Permanent Residence Permit / EU Long-Term Resident
Permanent residents have near-equal treatment to Dutch citizens for mortgage purposes. This is the strongest position for expats.
Mortgage Eligibility
Strong EligibilityTypical Duration
Indefinite
Lender Access
Full Market
Key Factors for Permanent Residence Holders
No visa expiry concerns
Full access to all lenders
Treated like Dutch citizens
No additional documentation needed
How Lenders View Permanent Residence
All lenders accept permanent residents without visa-related restrictions. Assessment is purely based on income, affordability, and creditworthiness.
Important Considerations
- •Still need to meet standard income/affordability criteria
- •BKR history still applies
- •Employment type still matters (permanent vs temporary)
Tips for Permanent Residence Applicants
1Highlight your permanent status upfront
2Focus on income and employment optimization
3You have full market access - shop around
Get Personalized Advice
Every situation is unique. Speak with an advisor who understands Permanent Residence requirements.