mortgages
Looking for a standard solution or one that fits?
We are not the average mortgage shop or bank. We deliver tailor-made solutions for people like you. We do not sell off-the-shelf products but assess your personal situation and then craft a solution to it.
Keeping in mind you might be here for a limited period of time, taking into considerations the fiscal opportunities and barriers that may exist.
Only when we know we have the best possible strategy, we will prepare a solution and discuss it with you. In a personal meeting with your personal advisor.
If you are happy with what we propose we will arrange it.
In this, you can trust us
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How Does a Mortgage Work for Expats in the Netherlands?
As an expat, you can borrow up to 100% of the property value in the Netherlands. Your maximum mortgage is typically calculated at around 4.5 times your gross annual income, though this depends on factors such as your employment type, the 30% ruling, and existing debts.
Types of Mortgages Available
The two most common mortgage types in the Netherlands are the annuity mortgage (annuiteitenhypotheek) and the linear mortgage (lineaire hypotheek). Both offer tax-deductible interest payments for up to 30 years. As an expat, you may also qualify for the National Mortgage Guarantee (NHG), which provides additional security and lower interest rates for properties up to the NHG limit.
Why Specialist Advice Matters for Expats
Your financial situation as an expat is often more complex than that of a Dutch resident. You may have income from multiple countries, pension rights abroad, or benefit from the 30% tax ruling. A standard mortgage advisor may not fully understand these factors. Our specialists work exclusively with international clients and understand the unique fiscal opportunities and challenges you face. We assess your complete financial picture, including cross-border implications, before recommending a strategy.
The Mortgage Process Step by Step
The process starts with a free introductory meeting where we discuss your situation and goals. We then create a detailed financial plan, compare offers from multiple lenders, and handle the full application process. From first meeting to key handover, we guide you through every step so you can focus on finding your new home in the Netherlands.
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