You recently moved to the Netherlands
There is no minimum period of residence for a Dutch mortgage. What matters is a Dutch income, a valid residence status and a complete file.
English Nederlands
What usually helps
- A signed Dutch employment contract, even if you have just started.
- A BSN number and registration with your municipality.
- A Dutch bank account for the monthly payments.
Points of attention
Some lenders ask for a first payslip; others accept the contract. If you are still in a probation period, the assessment can differ per lender.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026