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Our specialisation

Mortgages for expats in the Netherlands

Buying a home in the Netherlands as an expat can raise questions that Dutch buyers rarely face. We specialise in guiding expats through exactly that: the mortgage, the paperwork and the tax considerations that come with an international situation. Over the years, we have helped clients from many different countries and parts of the world, and we work with a broad network of lenders, notaries, valuers, estate agents and tax specialists. Everything can be done in English, from our first conversation to the moment you sign at the notary.

Discuss your mortgage optionsCall directlyRead the expat guides

What I help expats with

Residence permit and nationality

Which permits and nationalities Dutch lenders accept, what they ask for and what that means for your application.

Temporary contracts and income from abroad

A fixed-term contract, a probation period, income earned abroad or a mix of Dutch and foreign income rarely rules out a mortgage. I assess your income situation and find the lenders that fit it.

The 30% ruling

How the 30% ruling is treated by different lenders and what it does — and does not — mean for the amount you can borrow.

Tax questions around international finances

Money transferred from abroad, savings or assets built up in another country, gifts or financial support from family overseas: I explain the points to watch when buying here and bring in a tax specialist when your situation calls for one.

Guidance in clear English

The Dutch mortgage and home-buying process explained in clear, simple English. From our first conversation and exploring your options to submitting your mortgage application and signing the final documents at the notary, I guide you through every step.

Why mortgage advice for expats is different

The Dutch mortgage system is built around long, predictable careers and Dutch paperwork. As an expat, your situation often looks different on paper — which does not make it worse, only less standard. These are the themes that come up most:

  • Income earned outside the Netherlands, or a combination of Dutch and foreign income
  • A temporary contract, a probation period or a recent job move
  • A short credit and residence history in the Netherlands
  • Savings, assets or a gift coming from another country
  • Documents issued abroad, sometimes in another language
  • International tax questions that a Dutch buyer rarely faces
  • Uncertainty about which documents lenders actually need
  • A buying process that works very differently from the one you know at home

Experience with expats

Advising expats is a core part of my practice, not a side activity. I have guided clients who moved to the Netherlands from Europe, Asia, the Americas, the Middle East and beyond, each with their own contract, income structure and questions about how things work here.

That experience means we recognise your situation quickly, know which lenders are open to it and can tell you early on what is realistic — instead of finding out halfway through the process.

A network beyond the mortgage

Buying a home involves more than financing alone. Through a broad professional network we can connect you with the right people and keep everyone working towards the same deadline:

  • Mortgage lenders, including those comfortable with international profiles
  • Valuers (taxateurs) and notaries used to working in English
  • Estate agents who know the local market
  • Tax specialists for cross-border questions
  • Other specialists, whenever your situation asks for them

How the process works

  1. 1Free intake: your situation, plans and budget
  2. 2Indication of your maximum mortgage and monthly costs
  3. 3Mortgage offer and comparison of suitable lenders
  4. 4Application, valuation and lender approval
  5. 5Notary appointment and the keys to your home

Expat knowledge base

Prefer to read up first? These guides explain the Dutch mortgage process step by step.