Can I get a mortgage with a residence permit?
With a valid residence permit a mortgage is often possible. Lenders look at the type of permit and how long it is valid.
English Nederlands
What lenders look at
- The type of permit (temporary or permanent).
- The remaining validity period.
- The purpose of stay, such as work or family reunification.
- Whether your income is structural.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026