Expat Mortgage Utrecht & Leidsche Rijn

Looking for an expat mortgage in Utrecht or Leidsche Rijn? At De Hypotheekshop Utrecht Leidsche Rijn we provide independent, English-speaking mortgage advice for internationals. We compare nearly all Dutch lenders, including those with favourable policies for expats, and guide you through every step of buying a home in the Netherlands.

Can I get a mortgage as an expat in the Netherlands?

Yes, in most cases you can. If you hold an EU/EEA nationality, you are generally treated the same as a Dutch buyer. If you come from outside the EU, lenders will look at your residence permit and work situation, but many lenders are happy to provide an expat mortgage. In the Netherlands you can often finance up to 100% of the property value, so you mainly need savings for the purchase costs, such as transfer tax, the notary and the appraisal.

How much can I borrow?

Your maximum mortgage depends on your gross income, your financial obligations and the value of the property. A partner’s income counts as well. Tax benefits for internationals, such as the 30% facility, can increase your borrowing capacity; you can check the conditions with the Dutch tax authority. If the property is within the NHG limit (€ 470,000 in 2026), you may also benefit from a lower interest rate. We calculate your exact budget in a free first consultation.

Why expats choose our office in Leidsche Rijn

Utrecht is one of the fastest-growing cities in the Netherlands and home to a large international community. Our advisors speak English, have years of experience with international clients and know which lenders accept your situation. Together with our partner real estate agents we can also act as your buying agent, from viewings and bidding strategy to the structural survey. Read our Dutch Mortgage Guide for a full overview of the Dutch system, or visit our national expat mortgage page.

Buying a home in Utrecht: how it works

We start with a free introduction meeting, in person at our office in Leidsche Rijn or via a video call. We calculate your maximum expat mortgage in Utrecht and your net monthly costs, taking Dutch tax rules into account. Once you have found a home, we check the financing, advise on your bid and arrange the complete mortgage application, up to and including the notary appointment. You will need your passport, residence permit, employment contract and recent payslips.

Book a free consultation

Ready to buy a home in Utrecht, Leidsche Rijn, Vleuten or De Meern? Book a free first consultation, also available in the evening and on Saturdays. We will explain everything in plain English, so you know exactly what you are signing up for.