Expat mortgages in the Netherlands, explained in English.

Yes. You do not need Dutch citizenship or a permanent residence permit. EU/EEA citizens are treated much like Dutch residents; if you come from outside the EU/EEA, lenders generally ask for a valid residence permit. What matters most is your income, your type of employment contract and any existing loans. You can often arrange a mortgage soon after arriving, although some lenders prefer you to have lived or worked here for a few months first. I tell you upfront which lenders fit your situation.

No. Individuals from abroad can own 100% of a Dutch property and take out a mortgage without permanent residency. For non-EU/EEA nationals a valid residence permit is usually required by the lender. The minimum time you need to have lived in the Netherlands differs per lender — some accept you almost immediately, others ask for six months or more. Comparing lenders independently is exactly where the right advice pays off.

In the Netherlands you can borrow up to 100% of a property’s value, so you do not need a large deposit for the home itself (you do pay the buyer’s costs separately). Your maximum is based mainly on your gross income and any existing obligations. With a permanent contract it is straightforward; on a temporary contract many lenders accept an employer’s statement of intent. I calculate your realistic maximum before you start viewing homes.

It can — significantly. Lenders differ in how they treat the 30% ruling when assessing your income: some look only at your taxable salary, while others can take more of your situation into account. That means the same income can lead to very different maximum mortgages depending on the lender. I map this out for you and steer you toward the lender that values your situation best.

Yes, although it takes more preparation. As a freelancer or business owner, lenders usually like to see around three years of income history, though there are options with a shorter track record. On a temporary employment contract, a statement of intent from your employer often does the trick. I know which lenders are flexible here and position your application accordingly.

Yes. Every step — our meetings, the explanations and the guidance through the Dutch paperwork — is handled in clear English, so you always understand exactly what you are signing and why.

I am based in Naarden and advise throughout ’t Gooi: Naarden, Bussum, Hilversum, Huizen, Laren, Blaricum, Eemnes and the surrounding villages — a green, international-friendly region within easy reach of Amsterdam and Utrecht. Advice online is possible anywhere in the Netherlands.

Mortgage advice is provided for a fixed fee that we agree in advance — no surprises and no commission incentive, so my advice stays genuinely independent. Insurance advice costs you nothing separately. The first orientation meeting is always free and without obligation.