Expats and mortgages
Buying a house as an expat in the Netherlands can be an exciting process, but there are certainly several things you need to consider. Here is an overview of the steps and factors involved in obtaining a mortgage as an expat. With my experience, I’m happy to guide you through the entire process.
Mortgage options
In the Netherlands, expats often have access to mortgages, but the conditions can vary depending on your situation. There are specific types of mortgages aimed at expats.
I'll explain to you what the banks consider important, such as for example your income, employment status, and the duration of your stay in the Netherlands.
Income and employment status
- Income: Banks typically use your gross income as a basis. If you have a temporary contract, the bank may consider your income less stable, which can affect the maximum mortgage amount.
- Duration of stay: You often need to have lived and worked in the Netherlands for at least one year to be eligible for a mortgage.
- Work permit: You often need a work permit or a valid residence status to obtain a mortgage.
Maximum mortgage
The amount of your mortgage is often dependent on your income and the value of the house. The maximum loan you can get in the Netherlands is determined by the loan-to-value ratio (LTV), which in 2025 is typically around 100% of the house's value. This means you will likely need to contribute your own money for additional costs of the purchase, such as transfer tax, notary fees, etcetera.
Why choose me?
Reliability & Expertise: My clients appreciate my clear explanations and professional approach.
Simplicity & Understanding: I make complex matters understandable and simple.
Independent & Objective: I collaborate with almost all lenders in the Netherlands to find the best options for you.
Personal Attention: Choose certainty with tailored advice, always with personal attention.
Flexible Appointments: Schedule an appointment online or at your home, including evenings or Saturdays.
Always Available: I am available 7 days a week for your questions.
For Everyone: Whether you're employed, self-employed, already have a mortgage, or buying your first home, I’m here for you.
More Possibilities: I’ll show you that there’s often more possible than you think.