Can expats get a mortgage in the Netherlands?
In many cases, yes. Lenders mainly look at your income, your residence status and your employment situation in the Netherlands.
English Nederlands
What lenders assess
- Whether you live (or will live) and work in the Netherlands.
- Your residence status or nationality.
- The type and duration of your employment contract.
- Whether your income is verifiable and sustainable.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026