mortgages for expats

Mortgage for Expats

mortgage for expats

Mortgage for Expats

What expats should know when they want to buy a house

When you want to buy a house in the Netherlands you need to apply for a mortgage. The current housing market and the Dutch rules and laws can make it difficult to find the right home and apply for a mortgage. 

You want to buy a home as an expat? Follow these steps:

  • Step 1: Prepare

Before you start searching for a house on Google or Funda you first want to know what your budget is. The amount of money you can borrow from a bank is dependent on your fixed income and other loans you have. There are two ways to calculate your maximum mortgage:

1. Use one of the many online tools to calculate your maximum mortgage and monthly expenses. Note that these calculation tools are merely a way to get an idea of your possibilities and do in no way guarantee that you can borrow the money.

2. Let an expert help you. The best way to get a good impression of your maximum mortgage is to plan a meeting with an independent mortgage advisor. A first appointment is almost always free and they can tell you everything you need to know about getting a mortgage in the Netherlands. They will look at your entire financial situation and tell you precisely how much money you can borrow. There are many banks that will give you free advice, but be aware that their mortgage might not be the most advantageous for you.

You only have to formally arrange the mortgage once you have made an offer on a property and the offer has been accepted by the vendor. But it is much smarter to start your search by making an appointment with a mortgage advisor. It will speed up the whole process and they can often even help you find the right home for you and your family.

If you want to plan a free appointment with a mortgage professional. 

Please feel free to contact our office. Phone: 0736898608 or email:

  • Step 2: Search

Once you know what you can borrow from a bank, it is time to find your dream house. You can always try Google, but most Dutch people find their new home on housing platform Funda. There are also specialised purchase brokers that help you find the right home and organise special tours for expats where they visit several houses in one day.

You don’t want to have to deal with multiple organisations? Then consider our purchase guidance service. At the Hypadvies we help customers find their new home and support them during the negotiation process. We have experienced that this service greatly increases the chance that you will get the house. And when your bid gets accepted we will immediately start the mortgage application process.

  • Step 3: Make a bid

Found what you were looking for? Then the most nerve wrecking part of the process starts. It’s negotiation time and you now have to formally bring out your bid. You can offer below the asking price, but keep in mind that a lot of people want to buy a house and if your bid is too low the seller will simply decline the offer and wait for someone else. Especially in this difficult housing market it is best to call in the help of a professional that can advise you on the right strategy and can even help you bring out a formal offer.

Part of our purchase guidance service is helping you during the negotiation process and protect you against any legal inconveniences that you may not be aware of. And the best thing yet, when your bid gets accepted we can immediately start the mortgage application process. This way you will know as quickly as possible whether the house is really yours!

  • Step 4: Apply for a mortgage

Your bid got accepted? Great! Now there is only one hurdle left to take: the mortgage. It is important to act quickly and start your application process as soon as possible. Because there might be a chance that your application won’t be accepted the first time and you don’t want to miss your financing deadline and risk losing the property.

A personal mortgage advisor can relieve you of all your stress. Because he takes care of everything and knows exactly what is needed to get a mortgage approved quickly.

Have you already bought a house and need a mortgage? Contact our office so we can quickly start the process and help you find the mortgage that best fits your situation.

  • Step 5: Sign with a notary

When everything is arranged the only thing left to do is sign the deed of delivery and mortgage certificate at the notary. There are a lot of different notary offices all with different costs. The very cheapest can sometimes best be avoided, but you also don’t have to break the bank. Give us a call or send us a message if you want some free advice on the right notary office.

mortgage is possible with or without National Mortgage Guarantee (NHG)

There is no risk premium, our sharp interest tariffs apply for expats as well!

A few characteristics


  • Possible for employees with a nationality from within or outside of the European Union (EER)
  • Financing up to a 100% Loan To Value (LTV) for employees with a nationality from within the European Union (EER). For employees with a nationality outside of the European Union (EER) there is a maximum LTV of 95% for non-NHG loans (with a NHG loan there is a maximum LTV of a 100%)


Feel free to contact us. We are happy to help you!

new mortgage solution, from now on you can take out a mortgage with several people!

So for example 4 friends buy 1 house, this is possible with the new mortgage solution.


Mortgage for Expats

Bur or rent a house?

Whe can help you with both.

Meet our team

expat housing

Astrid van Rooij

Mortgage Advisor

Expat mortgage advisor

Diana van Laarhoven

Mortgage Advisor

Mortgages for expats

Esther Ketelaars

Mortgage Advisor

mortgages for expats

Mortgages for expats

The mortgage for expats and highly skilled migrants 

 Product specifications

 These mortgages are suited for expats. A mortgage is already possible with a working and residential period of six months.


  • With or without NHG
  • No risk premium        




Maximum loan

The mortgage has a maximum of a 100% LTV for employees with a nationality within the European Union (EER). For employees with a nationality outside the European Union (EER), there is a maximum LTV of 95% for non-NHG loans (with a NHG loan the maximum LTV is a 100%).



There must be a permanent employment contract.


Residence permit

Applicants from outside the EU must have a residence permit for a non-temporary purpose.

Visit the website for more information.


  • The interest offer is valid for 4 months
  • Annually 15% reimbursement-free pay off
  • Review of financial obligations actual charge