Annuity mortgage (annuïteitenhypotheek)
How does a Dutch annuity mortgage (annuïteitenhypotheek) work, how do gross and net monthly payments develop, and who might it suit?
Read moreBuying a house in the Netherlands, explained
Clear guides in English about Dutch mortgages: mortgage types, mortgage rates, how much you can borrow, NHG and the steps of the buying process — with a dedicated section for expats.
35 articles
Linear mortgage (lineaire hypotheek)
With a linear mortgage (lineaire hypotheek) you repay a fixed amount every month and your monthly costs decrease over time.
Read moreInterest-only mortgage (aflossingsvrije hypotheek)
With an interest-only mortgage (aflossingsvrije hypotheek) you only pay interest. Learn how it works and which risks apply.
Read moreBridging loan (overbruggingskrediet)
A bridging loan (overbruggingskrediet) temporarily finances the surplus value of your current home when buying a new one.
Read moreMaximum mortgage (maximale hypotheek) in the Netherlands
Your maximum mortgage in the Netherlands depends on income, obligations and the property value. Learn which factors count.
Read moreMortgage interest rate (hypotheekrente) and fixed-rate periods
How mortgage interest rates work in the Netherlands, what a fixed-rate period means and what to look at when comparing.
Read moreWhat is NHG (Nationale Hypotheek Garantie)?
NHG is a guarantee on your Dutch mortgage. Learn how it works, when it applies and what to pay attention to.
Read moreApplying for a mortgage in the Netherlands
From orientation to the notary: the steps of a Dutch mortgage application and the documents usually required.
Read moreWhat costs are involved when buying a home in the Netherlands?
Besides the purchase price you pay additional costs when buying a Dutch home. An overview of the possible cost items.
Read moreMortgages for expats in the Netherlands
Buying a home in the Netherlands as an expat? Learn how the Dutch mortgage process works and which topics matter most for expats.
Read moreCan expats get a mortgage in the Netherlands?
In many cases expats can get a Dutch mortgage. Learn which factors lenders look at.
Read moreHow much can an expat borrow in the Netherlands?
Your borrowing capacity as an expat depends on income, obligations and the property value. An overview of the factors.
Read moreCan I buy a house in the Netherlands as an expat?
There is no nationality restriction on buying property in the Netherlands. Learn what to keep in mind as an expat.
Read moreCan I get a mortgage without Dutch nationality?
Dutch nationality is not a requirement for a mortgage. Lenders look at residence status and income instead.
Read moreCan I get a mortgage with a residence permit?
A mortgage is often possible with a valid residence permit. The type and validity of the permit play a role.
Read moreCan highly skilled migrants get a Dutch mortgage?
Highly skilled migrants (kennismigranten) can usually get a Dutch mortgage. Learn which points matter.
Read moreCan I get a mortgage with a temporary employment contract?
A temporary contract does not rule out a mortgage. A statement of intent from your employer can help.
Read moreWhat documents do expats need for a Dutch mortgage?
An overview of the documents usually requested when an expat applies for a mortgage in the Netherlands.
Read moreCan foreign income be used for a Dutch mortgage?
Whether foreign income counts towards a Dutch mortgage differs per lender. Learn what is taken into account.
Read moreCan my foreign partner be included in the mortgage?
Whether a partner's income counts depends on residence status, where they work and the lender's policy.
Read moreHow does the Dutch mortgage process work for expats?
Step by step through the Dutch mortgage process, from orientation to the notary, explained for expats.
Read moreWhat costs are involved when buying a home in the Netherlands?
An overview of the costs involved in buying a Dutch home, explained for expats.
Read moreWhat is the 30% ruling and how can it affect a mortgage?
The 30% ruling is a Dutch tax facility for certain incoming employees. Learn how lenders may treat it.
Read moreCan expats use NHG?
NHG is not linked to nationality, but conditions apply. Learn what that means for expats.
Read moreHow does a Dutch mortgage work?
A mortgage is a loan secured by your home. Learn how interest, repayment, fixed-rate periods and monthly costs work in the Netherlands.
Read moreBuying your first home in the Netherlands
First-time buyer in the Netherlands? Read how much you can borrow, which costs to expect and which schemes may apply to you.
Read moreSurplus value (overwaarde) explained
Surplus value is the difference between your home's value and your remaining mortgage. Read how it works when moving or renovating.
Read moreMortgage for self-employed and entrepreneurs
Self-employed and buying a home? Read which income lenders use, which documents you need and what to expect from the assessment.
Read moreBank savings mortgage (bankspaarhypotheek)
With a bankspaarhypotheek you save on a blocked account to repay the mortgage at the end of the term. Explanation and points of attention.
Read moreSavings mortgage (spaarhypotheek)
With a spaarhypotheek you build capital through an insurance policy to repay the mortgage. This is how it works.
Read moreBuying with a permanent contract as an expat
A permanent Dutch employment contract usually makes a mortgage application straightforward, also for expats. Read what lenders look at.
Read moreYour partner still lives abroad
Can you buy a home in the Netherlands when your partner has not moved yet? Read what is usually possible and what lenders ask.
Read moreYou recently moved to the Netherlands
Just moved to the Netherlands? Read whether you can already apply for a mortgage and which documents help your application.
Read moreWhat to watch out for as an expat buyer
The most important points of attention for expats buying a home in the Netherlands: contracts, deadlines, costs and language.
Read moreHow a Dutch mortgage differs from mortgages abroad
Financing up to 100% of the value, long fixed-rate periods and interest deduction: how the Dutch mortgage market differs.
Read moreEspecially for expats
Are you an expat living or working in the Netherlands? Read our information about mortgages for expats.