How does the Dutch mortgage process work for expats?
The Dutch mortgage process is fairly standardised. Once you know the steps, you know exactly what is expected of you.
English Nederlands
The steps
- Orientation meeting and calculation of your options.
- Finding a home, making an offer and signing the purchase agreement.
- Advice on mortgage type, fixed-rate period and lender.
- Submitting the application with documents.
- Valuation and assessment.
- Binding offer and signing at the notary.
What is different from many other countries
- The notary plays a central role in transfer and mortgage deeds.
- The financing condition has a hard deadline.
- Independent, regulated mortgage advice is common.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026