★ 4,7 · 64 reviews· Onafhankelijk financieel advies in 't Gooi[email protected]·035-203 19 66·WhatsApp
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Independent · English-speaking · Naarden

Expat mortgages in the Netherlands, explained in English.

Buying a home in ’t Gooi as an expat? I compare 40+ Dutch lenders and guide you through every step, clearly, independently, with one personal point of contact.

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★ 4,7 · 64 Google reviews 40+ Dutch lenders compared 100% Independent advice EN Full process in English Free First hour of advice
In short

Bouvy Advies is an independent, English-speaking mortgage adviser in Naarden, working with expats across the Gooi region and the wider Netherlands. We compare more than 40 Dutch lenders on both rate and conditions, because for an internationally employed buyer the choice of lender usually matters more than the rate: lenders judge a residence permit, income earned abroad and the 30% ruling very differently, and the same situation can produce very different maximum amounts. We handle the Dutch paperwork, explain every step in English and stay your single point of contact from the first question to the notary. The first hour is free, and whatever follows we agree together beforehand. AFM licence 12046005, KvK 72342137, Kifid 300.017.178.

How I help expats

From first question to the keys in your hand

An unfamiliar system, lenders with different rules, and a lot of Dutch paperwork, I take that off your plate and translate it into clear choices.

  • Your first home in Naarden, Bussum, Hilversum, Laren, Blaricum or Huizen
  • An honest picture of what you can realistically borrow
  • The full Dutch mortgage process, step by step, in English
  • Insurance that fits your mortgage (life, home, liability)
  • Refinancing an existing mortgage to lower your monthly costs
English-speaking mortgage advisor meeting an international couple
The 30% ruling & your mortgage

Make your expat status work in your favour

If you benefit from the 30% ruling, lenders differ in how they assess your income, which means the same situation can lead to very different maximum amounts. I map this out before you commit, and find the lender that fits your circumstances best.

Book a free intro call
Aerial view of Naarden-Vesting fortress town in Het Gooi
Local in ’t Gooi

I know this region, and its housing market

From the monuments of Naarden-Vesting to the villas of Laren and Blaricum, ’t Gooi has its own market dynamics. Based in Naarden, I advise throughout the region, at my office or fully online anywhere in the Netherlands.

Good to know

Frequently asked questions

Can I get a mortgage as an expat in the Netherlands? +
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.
Do I need a permanent residence permit or Dutch citizenship to buy? +
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.
How much can I borrow as an expat? +
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.
Does the 30% ruling affect my maximum mortgage? +
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.
Can I get a mortgage as a self-employed expat or on a temporary contract? +
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.
Can you advise me entirely in English? +
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.
Which areas do you cover? +
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.
What does advice cost? +
The first hour is free, and that hour counts per question rather than per meeting, so the short follow-up questions that come straight out of it are included. If more work follows, we agree what it costs together beforehand: a fixed fee, no surprises and no commission incentive, so my advice stays genuinely independent. Insurance advice costs you nothing separately.
In 60 seconds

Buying a home in ’t Gooi as an expat

A quick look at independent, English-language mortgage advice at Bouvy Advies.

Thijs Bouvy, English-speaking mortgage advisor at Bouvy Advies

Thijs Bouvy, your advisor

Independent, English-speaking mortgage advice, one personal point of contact, from your first question to signing at the notary.

AFM licence 12046005 · Kifid 300.017.178 · KvK 72342137 · Wft-certified

Curious what you could actually borrow?

Book a free intro call. We look at your income, your residence status and the 30% ruling, then compare 40+ Dutch lenders independently. All in English.

Book a free intro call or call 035-203 19 66

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