expat-foreigner-mortgage

Expats

When you're buying a house without any knowledge of Dutch law or mortgage rules it may be that you find it difficult where to start. We will help you with that. Don't mind our English, yours is probably better, but that doesn't stand in our way to provide you with the best advice possible.

What should I be aware of?

Do I always need a permanent residence permit? How long do I have to live in the Netherlands to apply for a mortgage? Do I always need a BSN? Do I need savings? Do I need a permanent employment contract? Explore your mortgage options with one of our independent advisors at HypotheekNet.

The 30% expat rule

There are several lenders that keep into account that you have an higher nett income the first years you work and live in the Netherlands. For as long as this rule is in force, the rule can lead to additional borrowing power.

Nationale Hypotheek Garantie

nationale hypotheek garantie

NHG

The Dutch National Mortgage Guarantee scheme is unique in Europe. It helps you take out a mortgage that is affordable and responsible from the start. And if you do run into problems meeting your payments due to circumstances beyond your control, the National Mortgage Guarantee may provide a safety net for you and your mortgage lender. Most mortgagors follow the conditions NHG has set for getting a mortgage.

Read more about NHG here.

Want to know more about mortgages with a free oriëntation?

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