Can expats get a mortgage in the Netherlands?

Yes, expats can borrow up to 100% of the property value. Your maximum mortgage is typically around 4.5x gross annual income, depending on employment type and 30% ruling status.

What is the 30% ruling and how does it affect my mortgage?

The 30% ruling lets qualifying expats receive 30% of salary tax-free for up to 5 years. This affects mortgage calculations as lenders may use full or taxable salary.

Do I need a financial advisor to buy a house in the Netherlands?

While not legally required, a financial advisor is highly recommended for expats to navigate complex tax regulations and compare offers from multiple lenders.

What is the National Mortgage Guarantee (NHG)?

The NHG protects you if you cannot pay your mortgage and typically results in a lower interest rate for properties below the annual NHG limit.

Is the first consultation free?

Yes, the first consultation at Buro Philip van den Hurk is completely free and without obligation.

Expat Finance Blog — Netherlands

Practical, no-nonsense finance writing for expats in the Netherlands. Our advisors break down the 30% ruling, Dutch mortgages, NHG, the tax system, insurance, and pension planning — the rules that actually shape what you pay, what you keep, and what you can afford. Updated regularly with 2026 figures and lender practice.

Every guide is written by our team in Eindhoven and Arnhem and reviewed before publication, with clear bylines and last-updated dates. If you want personal advice on top of the guides, the first meeting is always free.