Getting a Mortgage as an expat in the Netherlands

Understanding Expat Mortgages in Holland

One of the biggest challenges that expats face when applying for a mortgage is proving their income. As an expat, you may not have a local credit history or a stable income stream, making it difficult for banks to assess your financial stability.

But with our help, you can find a mortgage that suits your needs and budget. We work with a wide range of lenders and banks to find the best mortgage options for expats. Whether you're looking for a fixed-rate or variable-rate mortgage, we can help you find a solution that meets your needs.

‍

Cultural differences

Arriving in the Netherlands as an Expat can be quite a cultural shock, especially if you come from outside the EU. Don't worry, we have been guiding Expats with their financial questions for years. There's a lot going on in the first few months, but it's all worth it in the end when your settled down. Contact us today to get your finances on point.

EU nationality & Residence permit

If you come from an EU member state such as Switzerland, Denmark,Estonia, etc. In most cases it is easier to apply for a mortgage. Banks have special regulations for expats from EU member states. This also applies if you have a residence permit that is not temporary or is for an indefinite period of time.

It only becomes interesting if you are not from an EU member state. So, if you do not come from an EU member state and you have a temporary residence permit, you can still buy a home in the Netherlands. Banks also have special regulations for this, usually providing 80%-90% of the market value of the property.There are also banks that do not provide financing if you are temporarily int he Netherlands.

Exceptions for Expats

For expats who have a residence permit as a highly skilled migrant, they can finance up to 100% of the market value. This is where our expertise comes in. Our advisors know immediately whether it is possible and with which banks offerthese options for Expats. This is because of our experience with Expats through out the years. Expats often come from all over the world. This creates some confusion, get in touch now to discuss your situation.

United Kingdom & Residence Permit

Since of January 2021, due to Brexit, it is no longer possible to apply for a mortgage with only a British passport. A valid residence document must be shown. Furthermore, this has no effect on how much you could finance, this is still 100% of the market value. 

Banking for Expats

There are a number of banks in the Netherlands that are leading the way with their policy towards Expats. We know in advance with which banks the financing can be requested. These are the following banks:

1. ABN AMRO Bank N.V.

2. INGBank N.V.

3. RabobankN.V.

4. Obvion Bank N.V.

5. Florius

‍

It is also possible to compare the interest rates, to start the application immediately and receive the best conditions for your mortgage.

Calculate your maximum mortgage in the Netherlands

Eventually, the most important thing is how much you can borrow based on your income. As an Expat it is sometimes quite difficult, because you often receive allowances if you work for an international organization. We may include certain allowances in the calculation, these are known to us. We know in advance which ones we can use and what the options are. 

Contact us

Are you an Expat in the Netherlands and don't know where to start? Please contact us directly to discuss your options. This can be done via a video call, at the office or by telephone.