Expat mortgages in The Netherlands
Are you interested in buying a property in The Netherlands? Make sure you have explored your options for expat mortgages in the Netherlands. De Hypotheekshop helps to get you the best fitting mortgage. We’ll help find an expat mortgage that fits your situation, while making it easy to get your mortgage in The Netherlands.
Get an expat mortgage
Our independent mortgage advisors are committed to helping you find the right home and mortgage.
How do expat mortgages work?
As an expat, we advise you to always get professional financial advice. Not only because there are more conditions when applying for a mortgage as an expat, but also because not every lender considers applications from expats. It is more challenging for expats to find the right mortgage, but De Hypotheekshop is happy to help.
An expat mortgage in 5 steps
There’s quite a lot involved in buying a house in the Netherlands. De Hypotheekshop supports you in making the right financial decisions – every step of the way. We are happy to help you!
Calculate your mortgage
Before you head out to find a home in the Netherlands, you need to find out what you can afford. To determine your budget, it is wise to see an independent mortgage advisor.
Find a property
A lot of our mortgage advisors collaborate with local real estate brokers. Real estate agents often have access to properties before they are advertised online.
Make a bid
Found your dream home? Great! Carefully consider your maximum bid in advance, you can discuss this with your realtor. Don’t forget that the agreement is subject to financing being arranged.
Apply for a Dutch mortgage
Once your offer on the house is accepted, you have to complete a full mortgage application. Our advisors will deal with the lender, check the paperwork, and answer any questions you may have.
Sign with the notary
Once you have found a mortgage, you instruct us to take out your mortgage. The official transfer of the house takes place at the notary. When you have signed the deed of delivery and mortgage certificate, the house is officially yours!
Calculate your mortgage
Before you head out to find a home in the Netherlands, you need to find out what you can afford. To determine your budget, it is wise to see an independent mortgage advisor.
Find a property
A lot of our mortgage advisors collaborate with local real estate brokers. Real estate agents often have access to properties before they are advertised online.
Make a bid
Found your dream home? Great! Carefully consider your maximum bid in advance, you can discuss this with your realtor. Don’t forget that the agreement is subject to financing being arranged.
Apply for a Dutch mortgage
Once your offer on the house is accepted, you have to complete a full mortgage application. Our advisors will deal with the lender, check the paperwork, and answer any questions you may have.
Sign with the notary
Once you have found a mortgage, you instruct us to take out your mortgage. The official transfer of the house takes place at the notary. When you have signed the deed of delivery and mortgage certificate, the house is officially yours!
What are your possibilities?
Book a free orientation meeting at a De Hypotheekshop near you.
Book now
What conditions do expat mortgages in The Netherlands have?
As an expat it can be quite the job to find the right mortgage for you. Especially as it involves more conditions than a regular mortgage. The three most important conditions that most mortgage lenders have for expats are:
- You need to have worked and lived in The Netherlands for at least six months. Some lenders even require a longer stay, but the usual minimum is six months. While applying for expat mortgages, you also have to provide proof that you did.
- You are an EU citizen, from Liechtenstein, Norway or Iceland or have a non-temporary permit of residence.
- You have a Dutch bank account, which is the account that you will finance your expat mortgage from.
Some mortgage lenders do not offer more than 90% of your home value as a mortgage, while Dutch citizens can get a mortgage for 100% of their home value. By seeking advice, we can help you find the best mortgage to finance your dream property for an affordable monthly payment.
Independent advice for expat mortgages
At De Hypotheekshop we find it important to offer independent advice to everyone, also to expats. We provide fully independent advice. Our advisors compare mortgages, mortgage types, interest rates and conditions of almost all mortgage providers. This way you will get the most suitable deal on the market, as well as independent advice and trusted, professional, and reliable service.
Buying a house in the Netherlands
After our financial advisors have informed you about the maximum mortgage possible for you, it is time to find your house in the Netherlands! When you have found your dream home, we can apply for your Dutch mortgage to finance your home. Be sure to always include with your bid that the agreement is subject to financing being arranged. Especially as an expat this is extra important to do.
Free orientation meeting
We invite you to visit one of our shops for a free orientation meeting. During this meeting we’ll discuss your personal situation and possibilities.
Schedule an appointment