Securing a Mortgage as an Expat in the Netherlands

Expat Mortgages in the Netherlands

One of the biggest challenges expats face when applying for a mortgage in the Netherlands is proving their income. Without a local credit history or a stable income stream, banks may find it difficult to assess financial stability. However, with our expertise, securing a mortgage tailored to your needs and budget becomes much easier.

We collaborate with a wide network of banks and lenders to find the best mortgage options for expats. Whether you're looking for a fixed-rate or variable-rate mortgage, we’ll help you navigate the process and secure the right solution for your situation.

‍

Cultural differences

Moving to the Netherlands as an expat can be a cultural shock, especially if you're coming from outside the EU. But don’t worry—we’ve been helping expats navigate their financial questions for years. The first few months can feel overwhelming, but once you're settled, it’s all worth it. Let us help you get your finances in order—contact us today for expert guidance!

EU nationality & Residence permit

If you come from an EU member state such as Switzerland, Denmark, or Estonia, applying for a mortgage in the Netherlands is generally easier. Banks have specific regulations for expats from EU countries, making the process more straightforward. The same applies if you hold a non-temporary or indefinite residence permit.

However, if you are from outside the EU and have a temporary residence permit, securing a mortgage can be more challenging—but it is still possible. Many banks offer financing options, typically covering 80%–90% of the property's market value. That said, some banks do not provide mortgages for expats on temporary residence permits, so it's important to explore the right lenders. We can help you navigate these requirements and find the best financing solution for your situation.

Exceptions for Expats

Expats with a residence permit as a highly skilled migrant can finance up to 100% of the market value of a property. This is where our expertise makes a difference. Our advisors have in-depth knowledge of which banks offer these options for expats, allowing us to quickly assess your eligibility and guide you to the best financing solution.

With years of experience working with expats from all over the world, we understand the unique challenges you may face. The process can be complex, but we’re here to simplify it for you. Get in touch today to discuss your situation and explore your mortgage options!

United Kingdom & Residence Permit

Since January 2021, due to Brexit, British citizens can no longer apply for a mortgage in the Netherlands using only a UK passport. A valid residence permit is now required. However, this change does not affect the amount you can finance—you can still secure up to 100% of the property’s market value.

Banking for Expats

Several banks in the Netherlands are at the forefront of expat-friendly mortgage policies. Thanks to our expertise, we know exactly which banks are most likely to approve financing for expats. Some of the leading banks offering mortgages to expats include:

‍

1. ABN AMRO

2. ING

3. Rabobank

4. Obvion

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

Ultimately, the most important factor in securing a mortgage is how much you can borrow based on your income. As an expat, this can sometimes be challenging, especially if you receive allowances from an international organization. However, certain allowances can be included in your mortgage calculation, and we have the expertise to determine which ones apply. With our in-depth knowledge of lender requirements, we can assess your options in advance and guide you toward the best financing solution.

Contact us

Are you an expat in the Netherlands unsure where to start with your mortgage or financial planning? Contact us today to discuss your options! We’re happy to assist you via video call, at our office, or by phone—whatever works best for you. Let’s find the right solution together!