Buying a home in the Netherlands? Mortgage advice in English.
Independent advice from the first call to the notary. We know which lenders accept your contract and residence situation, and we explain every step in plain English. Calls in English, Dutch or German.
€ 2.250 fixed fee for your first home, paid at the notary
Lenders that accept you
Permanent, fixed-term or self-employed: we know which lenders fit your contract and permit.
Plain-English explanations
Dutch mortgage rules explained clearly, by phone, video or WhatsApp.
Fixed fee, paid at the notary
€ 2.250 all-in for your first home. No hourly rates.
We compare all lenders on rate and conditions, including:
What you need to get started
- A citizen service number (BSN) and a valid ID; non-EU citizens also a valid residence permit.
- Your employment contract and recent payslips. With a fixed-term contract, a letter of intent from your employer helps.
- Savings for the purchase costs. You can borrow up to the market value of the home, so notary, valuation and advice fees come from your own funds.
Schemes that can save you money in 2026
Under 35 and buying a home to live in yourself? You pay no transfer tax on a home up to € 555.000. From 1 January 2027: € 615.000. You can use it once.
For homes up to € 470.000. From 1 January 2027: € 500.000. NHG often gives you a lower interest rate and a safety net if you have to sell at a loss.
From 2027 the expat ruling gives a maximum tax-free allowance of 27% instead of 30%, and the salary threshold goes up. If you started before 2024 you keep 30% for the rest of your term. A change in your net pay matters for what is comfortable each month, so we include it in your budget.
How it works
You book a free call. Within an hour you know what you can borrow and what a home will cost you per month. Once your offer on a home is accepted, we compare lenders, apply for the mortgage and help you with the valuation and the notary. You pay our fee when the deed is signed.
Buying in Eindhoven or Den Bosch?
See what homes cost, what income you need and which local schemes apply: expat mortgage Eindhoven and expat mortgage Den Bosch.
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
Can I get a mortgage on a fixed-term contract?
Often yes, for example with a letter of intent from your employer stating the contract will be extended. Lenders differ in what they accept, so we compare which ones fit your situation.
Do I need a residence permit?
EU citizens do not. Non-EU citizens need a valid residence permit; lenders differ in how they treat temporary permits.
Is mortgage interest tax-deductible?
For your main home, yes, as long as the mortgage is repaid in full within 30 years on an annuity or linear basis.
Can everything be done online?
Yes. Calls by video call or phone, documents uploaded to your own online file, and questions by WhatsApp.
What does it cost?
A fixed fee of € 2.250 all-in for your first home, € 2.750 if you have owned a home before. You pay when the deed is signed at the notary.
How much can I borrow?
Roughly, at 4.5% interest fixed for 10 years and the 2026 lending rules:
- € 40.000 alone: about € 172.000
- € 50.000 alone: about € 211.000
- € 60.000 alone: about € 249.000
- € 80.000 together: about € 346.000
- € 100.000 together: about € 445.000
Student debt, other loans and the energy label change this. Use the calculator for your own figure.
Does the 30% ruling affect my mortgage?
Lenders look at your gross salary as stated by your employer. The ruling changes your net pay, and from 2027 the maximum becomes 27%. That matters for what is comfortable each month, so we include it in your budget.
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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