Expat mortgage in Den Bosch
Moving to Den Bosch ('s-Hertogenbosch)? We help internationals buy a home in the city and the villages around it, in plain English and for a fixed fee. Our office is in Rosmalen, part of the same municipality.
Buying a home in Den Bosch
Den Bosch is about 20 minutes by train from Eindhoven and about 30 from Utrecht, which makes it popular with people who work in either region but prefer a historic city centre. We also help buyers in Rosmalen, Vught, Vlijmen, Berlicum and the rest of the region.
Home values: CBS via AlleCijfers. Income needed calculated with the 2026 lending rules at 4.5% interest fixed for 10 years. For your own figure, book a free call.
Schemes in Den Bosch
The municipality of 's-Hertogenbosch offers a starter loan of up to 20% of the purchase price, with a maximum of € 30,000. Your mortgage and the starter loan must meet the NHG conditions.
The average home is below the NHG limit of € 470.000, so you can often get NHG and a lower interest rate. From 1 January 2027: € 500.000.
Under 35? You pay no transfer tax on a home up to € 555.000, which covers the average home in Den Bosch. From 1 January 2027: € 615.000.
How we help
We know which lenders accept your contract and residence situation, and we compare them on rate and conditions. You get the whole process in English, from the first calculation to the notary. Read more on expat mortgage.
Checked by Ingrid van der HelmErkend Financieel Adviseur (SEH), Wft Mortgage Credit, over 10 years as a mortgage adviser, formerly at ING. Last updated October 2026.
Four simple steps
- 1
Book online
Pick a time in the calendar. Free and without obligation.
- 2
One-hour call
By video call or phone. Afterwards you know what you can bid, what it costs and which insurance you need.
- 3
We arrange it all
Application, valuation, insurance. You follow progress in your online file.
- 4
Notary, then you pay
You pay the fixed fee when the deed is signed.
What clients say
“She is very professional, knowledgeable, and patient. She explained each step in detail and in an easily understandable way.”
“She helped us understand all the little details about getting a mortgage and provided a lot with all the recommendations and calculations so we could pick the one that fits us.”
“Top samenwerking en alles wordt snel geregeld.”
“Zelfs met mijn ingewikkelde situatie wist Ingrid raad en stelde ze mij steeds gerust met zeer nauwkeurige info.”
“De gesprekken waren persoonlijk en fijn. Daarnaast werd er écht de tijd genomen, waarbij alle opties uitgebreid werden besproken.”
“Ondanks dat de aankoop van een eerste woning voor een starter complex is, vond ik dit proces soepel verlopen.”
“Ingrid heeft ons al enorm geholpen zelfs voordat we een huis hebben gevonden.”
Frequently asked questions
What income do I need to buy a home in Den Bosch?
For an average home of € 391.749, you need a gross income of about € 87.000 a year on your own, or about € 90.000 together. That is at 4.5% interest fixed for 10 years, with no other loans. The purchase costs come from your own savings.
Can I get a starter loan in Den Bosch?
The municipality of 's-Hertogenbosch offers a starter loan of up to 20% of the purchase price, with a maximum of € 30,000. Your mortgage and the starter loan must meet the NHG conditions.
Can I get a mortgage on a fixed-term contract?
Often yes, for example with a letter of intent from your employer. Lenders differ in what they accept, which is why comparing them matters.
Do we need to meet in person?
No. We talk by video call or phone, also in the evening. Documents go into your own online file and questions can go by WhatsApp.
What does it cost?
A fixed fee of € 2.250 all-in for your first home in the Netherlands, € 2.750 if you have owned a Dutch home before. You pay when the deed is signed at the notary.
Book your free call. One hour and you know more.
Pick a time yourself. By video call or phone, evenings too.
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