EM
    Trust & Transparency

    Editorial Guidelines

    Our commitment to creating accurate, unbiased, and genuinely helpful mortgage content. Learn how we research, write, and maintain the information you rely on.

    Our Editorial Mission

    To provide expats in the Netherlands with the most accurate, comprehensive, and practical mortgage information available online. We believe informed decisions lead to better outcomes, and every piece of content we publish aims to genuinely help our readers navigate the Dutch mortgage system.

    Our Editorial Principles

    Accuracy First

    Every fact is verified against official sources. We cite Dutch legislation, AFM guidelines, and current market data. When regulations change, we update immediately.

    Expert Review

    All content is reviewed by our AFM-registered mortgage advisors. We don't publish anything an advisor wouldn't confidently tell a client.

    Editorial Independence

    Our content recommendations are based on what's best for readers, not what generates the most leads. We present all options, including ones that don't involve our services.

    Plain Language

    We write for expats who may not be familiar with Dutch financial systems. Jargon is explained, complex concepts are simplified, and examples are practical.

    How We Create Content

    1

    Research & Sourcing

    We start with official sources: Dutch government websites (rijksoverheid.nl), AFM publications, Nibud guidelines, and current legislation. We also draw on our advisors' real-world experience from 2,500+ client cases.

    Government publicationsAFM guidelinesNibud dataClient case experience
    2

    Writing & Drafting

    Content is written by our team with deep knowledge of Dutch mortgages and expat challenges. We prioritize clarity, actionable advice, and addressing real questions clients ask.

    In-house writersSubject matter expertsClient FAQ analysis
    3

    Expert Review

    Every piece is reviewed by at least one AFM-registered mortgage advisor. They check for accuracy, practical applicability, and potential misleading implications.

    Hans van der Berg (Senior Advisor)Emma de Vries (Expat Specialist)
    4

    Publication & Monitoring

    Published content is tagged with reviewer names and dates. We monitor for regulation changes and update content proactively, not just when errors are reported.

    Regulatory monitoringReader feedbackAdvisor updates

    Calculator Methodology

    How Our Calculations Work

    Our mortgage calculator uses official Dutch lending criteria, including Nibud's woonquote tables and current LTV regulations. However, every calculation is an estimate—actual mortgage offers may vary based on individual assessment.

    Income multipliers based on current Nibud guidelines
    Interest rates updated monthly from market sources
    Buying costs calculated with current tax rates and typical fees
    Limitations: Cannot account for individual bank policies, credit history, or complex income situations

    Calculator last updated: January 2026. Next scheduled review: April 2026.

    Content Update Policy

    Regular Updates

    • Annual review of all pillar content
    • Quarterly review of calculators and tools
    • Monthly interest rate updates
    • Immediate updates for regulation changes

    Version Tracking

    • All content shows "Last updated" date
    • Named reviewer for accountability
    • "Updated for 2026" badges on current content
    • Major changes logged internally

    Error Correction Policy

    If We Get Something Wrong

    We take accuracy seriously, but errors can happen. If you spot an inaccuracy:

    • 1. Email us at corrections@expatmortgagepro.nl
    • 2. We investigate within 24 hours
    • 3. Verified errors are corrected immediately
    • 4. Significant corrections are noted on the page

    We maintain a corrections log and review recurring issues to improve our processes.

    Our Credentials

    Regulatory Status

    • • AFM-registered mortgage advisory firm
    • • All advisors Wft-certified
    • • Professional liability insurance
    • • Kifid complaint handling

    Experience

    • • Operating since 2018
    • • 2,500+ expat mortgages arranged
    • • 40+ nationalities served
    • • 4.9/5 average client rating