Question 1

Can expats get a mortgage in the Netherlands?

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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

Question 4

What is the National Mortgage Guarantee (NHG)?

Accepted Answer

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.

Question 5

Is the first consultation free?

Accepted Answer

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

EINDHOVEN

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Dutch Tax System Explained for Expats: Boxes, 30% Ruling & Deductions

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ARNHEM

HEERLEN

DIVERSEN