MORTGAGE ADVICE

A mortgage for expats

You work in the Netherlands and you want to buy a home, but the system is new to you: buyer's costs (kosten koper), a notary who draws up the deed in Dutch, and lenders who look at your residence permit and your contract.

In an international situation it usually comes down to the details: the 30% ruling, a temporary contract, a partner's income from abroad, or a residence permit that is renewed every few years. Lenders handle these differently, and that changes what you can borrow.

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What we do for you

We advise entirely in English

Conversations, calculations and the documents you need to understand: all in English, with nothing lost along the way.

We look at your 30% ruling

Lenders treat the 30% ruling, and the period you still have it for, in different ways. We find the one that looks at your situation most sensibly.

We know the questions you will get

Residence permit, employment contract, income from abroad: we know in advance what a lender will ask, so your file is complete the first time.

We guide you through the Dutch process

From offer to notary, we explain what happens, what you are signing and at which point you are committed.

40+ lenders
Soon independently compared
NL & English
Advice in two languages
One dedicated adviser
Personally guided
Randstad & het Gooi
Local and online

Frequently asked questions from expats

Often you can. An employer's statement with an intention to extend (intentieverklaring) counts with many lenders. Whether it works depends on your contract, your employer and the lender.
That differs per lender. Some calculate with your income including the ruling, others look at your income without it. How long your ruling still runs also matters. We compare how different lenders handle it.
Yes. The type of permit and how long it is still valid both weigh in the assessment. Even without permanent status there is often more possible than people expect; we look at what applies in your case.
Sometimes. It depends on the currency, the type of contract and the lender. We check this in advance, so you do not run into a refusal when you have already made an offer.
Not for the advice: we do that entirely in English. The notarial deed is in Dutch, though. The notary explains it to you in English, and a translation or an interpreter can be arranged.
There is no fixed period. Lenders look at your income, your contract and your residence status, not at the number of years you have been here. It does help to have Dutch bank statements and a BSN.

Let's make your home plans hecht.

Hecht is opening soon. Already have a question about your plans? Send us an email, we're happy to think along.