Can I get a mortgage without Dutch nationality?
Dutch nationality is not a condition. Your residence status matters, because it indicates how durable your stay is.
English Nederlands
EU versus non-EU
Residents of EU/EEA countries and Switzerland usually have a simpler residence position. From outside the EU, lenders look at the type of residence permit and its validity period.
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026