
Expat mortgage in the Netherlands
Buying a house in the Netherlands as an expat can feel overwhelming: different rules, unfamiliar systems, a new language. With over ten years of experience advising internationals, Ralf guides you through every step, in fluent English.
Guidance from someone who knows the expat journey
Ralf has helped many expats from all over the world finance their home in the Netherlands. He understands the challenges you face, from temporary contracts and questions about the 30% ruling to international income structures and residency status. You get clear advice, tailored to your situation, without unnecessary complexity.
What you should know as an expat buyer
- Can you get a mortgage with a temporary or foreign employment contract?
- How does your residence permit or nationality affect your options?
- How does the Dutch mortgage system differ from what you are used to?
- Which additional costs should you expect as a buyer in the Netherlands?
We take you through it step by step, from the required documents to structuring your mortgage smartly and efficiently. Fair rates, clear communication and no hidden costs.
Bid with confidence, unique in the Utrecht region
Before you sign the purchase agreement, we can have the property and your financing assessed by an NVM buying agent and appraiser, at no extra cost. In a competitive market this lets you bid stronger, where responsible even without a financing contingency.
Frequently asked questions
Can I get a Dutch mortgage as an expat?
In most cases, yes. Lenders look at your income, contract type and residency status. Several banks are experienced with international employees. We know which ones, and compare 40+ lenders for you.
Does the 30% ruling help my mortgage application?
The 30% ruling can positively affect your net income, and some lenders take it into account in their assessment. We explain exactly how it works out in your situation.
Do I need a permanent contract?
Not necessarily. With a temporary contract, an employer statement or your work history can often be sufficient for several lenders.
Is the first consultation really free?
Yes, the first consultation is free and without obligation. If you decide to proceed, you receive a clear fee proposal in advance.
Looking for a home in the Netherlands?
Start with an advisor who understands expats. Book a free, no-obligation consultation.