Mortgage advice for expats in The Netherlands

“Na veel afwijzingen heb ik via HypotheekContact als starter zonder vast contract wél een hypotheek gekregen”

J. de Groot

Buying a home in The Netherlands

As an expat you can buy a house in the Netherlands and get a mortgage.

For entrepreneurs and freelancers the same rules are apply. It does not need to be complicated for you to get a mortgage. Not even if you own a company which is based abroad.

However, there are two fixed requirements for distribution.

    1. You get your salary in Euros
    2. You are taxable in the Netherlands.

If you are an EU citizen, the application by nearly all banks will be equally treated as for a regular Dutchman.
If you are an non-EU national, it can be somewhat complicated. Tell us where you come from and we’ll tell you what your options are.

Getting a mortgage in The Netherlands

How to apply for a mortgage

If you want to buy a house, you want to know what you can borrow and what it costs per month. Your mortgage advisor can advise

Now that you know what your budget, it’s time to talk to the real-estate agent. He/She can help you to find your dreamhome.

Now you have reached agreement on the purchase price, it is time to sign the contract. After signing the contract, you have three days to change your mind.

This is an important step when purchasing a home. Finance and insurance are in fact non-current liabilities.

When funding is round, the notary do their work. The notary ensures that the property will be placed in your name.


Klanten geven hypotheekcontact een 10

Mortgage advice for expats

As an expat it may be that you qualify for the 30% ruling. Your employer can apply for this arrangement to the tax authorities if you have exceptional qualities as an employee.
This means,among other things, that you do not have to pay taxes on the first 30% of your income. As a result you could qualify for a higher mortgage.

Are you looking for a mortgage?

Contact us for a free consultation meeting!

Call 020-669 33 88 or send an e-mail to, our team is standing by!