Expat Mortgage

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Buying a house in the Netherlands as an expat means you need a Dutch mortgage. Applying for a mortgage takes a lot of decision-making and it can be a stressful and confusing process. It’s important to understand all conditions for receiving a Dutch mortgage. Expats Amsterdam is here to advise you on the best expat mortgages. We guide you through the entire process and provide you with all the information you need to make the right decision. We help you applying for a mortgage and make sure you get the best interest rates possible.

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Mortgage advice for expats

Expats Amsterdam specializes in mortgages for expats. We can determine the maximum mortgage amount for your financial situation, calculate the best interest rates and help you apply for the mortgage at the bank. We will guide you through every step of the process. Expats Amsterdam is an independent mortgage advisor, which means we monitor mortgages from all banks to get the best deal for you.

Applying for a mortgage as an expat

To apply for expat mortgages, you must meet certain requirements:

  •  You are a European citizen or have a status of highly skilled migrant (“kennismigrant”).
  • The mortgage might be limited to 90 percent (or less) of the property value.

If you can provide a personal down payment, you don’t have to have lived in Netherlands for five years.
Next to these requirements, other factors (as type of employment, debt and family situation) can have an impact on your mortgage prospects. When applying for a mortgage, you also need proof of income via an employment contract and a statement of your employer (werkgeversverklaring). The statement needs to be approved by the mortgage provider before financing is guaranteed.

Make an appointment

Would you like more information about expat mortgages, or do you want to apply for a mortgage? Our mortgage advisors are happy to help. Feel free to contact us for more information or for a meeting. The first meeting is free of charge.

Applying for a mortgage?

Have you made a decision and want to hire an expert to help you with your mortgage? Good! Our mortgage advisors are happy to help. Did you know we also offer housing services? Feel free to contact us for more information or for a meeting. The first meeting is free of charge.

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  • "Would like to take this opportunity to sincerely thank ExpatsAmsterdam.com 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 ExpatsAmsterdam.com 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