Your partner still lives abroad
If your partner still lives outside the Netherlands, the mortgage is often based on your Dutch income only — although some lenders can include foreign income.
English Nederlands
Two common routes
- Apply on your own income and add your partner to the deed later where possible.
- Apply together, with the foreign income assessed by a lender that accepts it.
Points of attention
Ownership, tax position and future plans all play a role. Because rules differ per lender and per country, this is a situation worth discussing personally before you make an offer.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026