Mortgages for expats in the Netherlands
Expats can buy a home and take out a mortgage in the Netherlands. Some topics need extra attention, such as residence status, contract type and documents from abroad.
English Nederlands
Where to start
- Map out your residence status and employment situation.
- Collect documents on income, employment and identity.
- Have your borrowing capacity calculated.
- Identify lenders that fit your situation.
Topics that often come up
- Nationality and residence permit.
- Temporary or permanent employment contract.
- Foreign income or a partner working abroad.
- The 30% ruling and how lenders treat it.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026