Buy to let Mortgage

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The Dutch housing market is becoming increasingly more attractive for investors. The return of investment is high and in interested rates are low. Renting a house is great way to increase your monthly income. You can invest your own savings in a house, but you can also apply for a buy to let mortgage. Expats Amsterdam helps you to get the best mortgage for your buy to let property. We are specialized in expat mortgages which makes us a perfect partner for your investment. Contact us now for a free appointment.

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Expats can get a mortgage for their own residence in the Netherlands. Many expats also see good opportunities for investing in the Dutch housing market, but the options for financing this were limited. Fortunately, more and more parties are offering the possibility of providing a buy to let mortgage for expats.

The parties that can provide a buy to let mortgage are the investment banks, they are subject to less strict legislation, and the banks that are subject to strict legislation on the provision of credit.
Because the investment banks can grant you a mortgage faster, they ask a higher mortgage interest for the mortgage than the other banks.

Requirements for a buy to let mortgage

The requirements of a buy to let mortgage depend on each lender.
The following conditions apply for expats:

Expats are required to be in the Netherlands on a non-temporary basis.
When you have the European nationality you are eligible.
Also, if you are a knowledge migrant or if you have a residence permit for an indefinite period you are eligible.

Per provider there is a requirement in terms of your income. With investment banks, less emphasis is
placed on your income but more on the collateral to be purchased and your assets.
At the other banks, more emphasis is placed on your income.
This may make it more difficult to obtain a mortgage from these banks.

The parties provide between 70% to 80% of the market value in the rented state. Assuming that the value in the rented state is approximately 90% of the market value,
this means that you can finance a maximum of 63% to 72% of the property value.

Mortgage interest rates of a buy to let mortgage

The interest rates are approximately 2% higher at investment banks than at mortgage for private use.
For banks that also provide buy to let mortgages, the interest rate is about 1% higher.

Mortgage types

You can get an interest-only mortgage for 50% of the rental value in the rented state. With some providers this can even go up to 60%.
The advantage of the interest-only mortgage is that this lowers your monthly costs, so that you are better able to bear the costs of the mortgage with the rental income.

You must repay the excess that you borrow above these values with a linear or annuity mortgage.
The term in which this mortgage must be repaid is often set at 10 years by the lender.

Tax and your buy to let mortgage

Rental properties are considered your capital, which is taxed in Box 3. The rental payments from your rented out property are not taxed.
You will be taxed on the value of your collateral in box 3, taking into account the amount of the buy to let mortgage that you have taken out.
It is important that the WOZ value of your home is assumed, this is often considerably lower than the actual value of the home.

Specialized in buy to let mortgages

If you are prepared to invest for the long term, a buy-to-let apartment can often turn out to be quite a profitable venture.
We are specialized in the Dutch housing market and the buy to let mortgages, so if you are interested in investing in a property – we can help.
We can lead you through the entire mortgage process.
Helping you with the purchase and make sure that the property will be rented out to reliable tenant is an additional service we can provide to you.
And that is not all! We also can take care of all the administration work and maintenance of your property.

Please, feel free to contact us and plan a free consultation!


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  • "Would like to take this opportunity to sincerely thank and especially Patrick Daas for his impressive high level of service he provided during the entire process of buying a house in Netherlands. I found Patrick extremely patient, always reachable and smiling, willing to help in any possible way. As I’m not local it was really helpful from him to provide comprehensive information about buying house in the Netherlands, consult on the regions best to live, give his expertise on the price\value of the selling houses and house conditions, organize notary and mortgage, lead negotiations on the price, etc. Would certainly suggest and indeed Patrick to my friends."

    Yaroslav Khramov
  • "I have received taxation and finacial consultancy services from Expat Amsterdam (EA) starting from 2012. The service I have received from EA has been timely, intimate and thrustful and includes all necessary feedbacks and informations as necessary to assisst in making critical finacial decisions and has minimized the need for my personal intervention. In this regard I would express my satisfaction of the service I have received till now."

    Nasir Sahabi

  • "I met Patrick Daas, I was looking for help to figure out how to set up my one person business in Amsterdam. Little did I know I was meeting a whole lot more help than I thought. Nowadays Patrick takes care of our taxes, business and personal, and recently he helped us to buy our very first home in Amsterdam, saving a lot of money in the process. Hiring Patrick was the best single financial decision I made since we moved to The Netherlands. The guy is a wizard!"

    Daniel Duclos

    Ducs Amsterdam
  • "Patrick Daas has guided us throughout the process of getting our new home in Amsterdam. He was available every step of the way and made the process of getting a mortgage easy and worry free. As expats, it was difficult for us to communicate with the bank and other authorities as well as making the right decisions - Patrick Daas was there to answer any question with patience and a smile. We look forward to working with him in the future."

    Dan-el Khen
  • Patrick takes care of all our taxes in the Netherlands and he's great, extremely fast and efficient. Being a foreigner, sometimes it's difficult to know what you can do or not in terms of taxes. Patrick knows all the nuances of Dutch law and manages to bring us back a big amount of money every year, that we wouldn't get without his help. Paying his service is a great investment.

    Aline Lickel & Rodrigo Bernardo Pimentel