Mortgages 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 moreMortgage guides for expats
Everything internationals need to know about getting a mortgage and buying a home in the Netherlands.
Can 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 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.
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