Getting a Mortgage as an Expat in the Netherlands

Moving to the Netherlands and thinking about buying a home? Getting a Dutch mortgage as an expat is very possible, but the process differs from what you may be used to in your home country. This guide explains how it works and what lenders look for.

Can expats get a Dutch mortgage?

Yes. Internationals with a residence permit and a steady income can usually qualify, even on a temporary employment contract. Some banks are far more flexible towards expats than others, which is why comparing offers matters.

What you need to prepare

• A valid residence permit or EU nationality.
• Proof of income: an employment contract and recent payslips.
• A BSN (citizen service number) and a Dutch bank account.
• Savings for the buyer's costs ("kosten koper"): notary, valuation and advice fees.

Why specialist advice helps

The Dutch market has more than thirty lenders, each with its own rules on foreign income, temporary contracts and the 30% ruling. Working with a specialist in expat mortgage advice such as Expat Mortgage Platform gives you English-language guidance, a comparison across lenders and help with the paperwork from application to completion.

The buying process in short

Once you know your budget you can view homes, make an offer and arrange financing. After your offer is accepted you typically have a few weeks to finalise your mortgage for expats in the Netherlands, complete the valuation and sign at the notary. With the right preparation, buying your first Dutch home as an expat is a smooth step.