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Secure Your Dutch Dream Home: Hassle-Free Mortgages for Expats

Navigating the Dutch housing market can feel overwhelming. Expat Mortgage Platform helps expats get approved — even with temporary contracts or foreign income.

Expat Mortgage Platform

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Expat Mortgage Platform

Why buying a home in the Netherlands feels difficult (and how we fix it)

As an expat, you face unique challenges that local buyers don’t. Expat Mortgage Platform is built specifically to bridge that gap.

Our independent Google reviews

EXCELLENT
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Based on 360 reviews
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Jaycee van Eeden profile picture
Jaycee van Eeden
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⭐⭐⭐⭐⭐ Exceptional Service from Expat Mortgage! We cannot recommend Melissa, Frank and Mantla from Expat Mortgage highly enough! From the very beginning of our journey to buying our first home, they were absolutely incredible. Their professionalism, knowledge, patience and genuine willingness to help made what could have been a stressful process feel smooth and manageable. Their communication was exceptional — they kept us informed every step of the way, answered all our questions promptly and made sure we always understood what was happening. What stood out most was how much they genuinely cared about helping us achieve our dream of owning our first home. They went above and beyond to make the entire process as quick, smooth and stress-free as possible. A huge thank you to Melissa, Frank and Mantla for all your hard work, assistance and dedication. We truly appreciate everything you did for us and are incredibly grateful to have had such an amazing team supporting us throughout this journey. If you are looking for a mortgage team that is professional, efficient, knowledgeable, supportive and genuinely cares about their clients — look no further than Expat Mortgage! Thank you for helping us turn the dream of owning our first home into a reality! 🏡❤️ Absolutely 5-star service! ⭐⭐⭐⭐⭐
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Jonell van Eeden profile picture
Jonell van Eeden
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⭐️⭐️⭐️⭐️⭐️ We had an absolutely fantastic experience with Expat Mortgage from start to finish! The entire mortgage process was incredibly quick, smooth, and professional, which made what could have been a stressful experience feel surprisingly easy. A special thank you to Melissa, Mantla and Frank for their outstanding service. They were all incredibly helpful, knowledgeable and professional, and what stood out most was how well they communicated throughout the entire process. We were kept in the loop every step of the way, always knew what was happening, and any questions we had were answered quickly and clearly. The process moved much faster than we expected, and everything was handled so efficiently and smoothly. We genuinely felt that we were in good hands from beginning to end. We highly recommend Expat Mortgage, especially Melissa, Mantla and Frank, to anyone looking for a reliable, professional and supportive mortgage team in the Netherlands. Thank you for making the whole experience such a positive one! 🏡❤️ 5 stars without a doubt! ⭐️⭐️⭐️⭐️⭐️
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Andrew Skurlatov profile picture
Andrew Skurlatov
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Very experienced mortgage professional! We bought our house in a very short period of time and are very happy with the service! Highly recommend!
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Laura Jogi profile picture
Laura Jogi
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We had been looking for a home in Amsterdam by ourselves for almost a year with no success and then decided to go for EMP to help us. We couldn’t have made a better choice! We got the first apartment we viewed while working with them - we explained to Melissa how much we loved the place and she together with the rest of the team, Mantla, Frank, Dominique, made our dream happen. Everything went super quick, even faster than they initially promised. They were always available for us and answered all our questions immediately making us feel confident throughout the whole process. Even the sellers of the house later told us that they were surprised how smooth everything went from their side as well thanks to our advisors.
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Sherif Ismail profile picture
Sherif Ismail
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Great experience they are very supportive and friendly and recommended to everyone planning to take a mortgage
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Jerwin Lacson profile picture
Jerwin Lacson
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We had an excellent experience with Expat Mortgage Platform during our mortgage process. The team was highly accommodating, responsive, and easy to reach throughout the entire process. All of our questions, even the smaller ones, were addressed thoroughly and explained clearly. As expats, we truly appreciated how they guided us step by step and made the process much easier to understand. They also handled the paperwork and legal matters with great care and attention to detail. They reviewed and checked the documents for us, scrutinized the important details, and ensured that everything was in order. From our side, we mainly had to check our personal details, such as the spelling of our names, which made the process much less stressful. Another major advantage was that they were able to structure the financing in such a way that we did not have to cash out anything upfront. The mortgage arrangement included the overbidding amount, renovation costs, notarial fees, and even their professional fees. This was extremely helpful for us as buyers. Their professional fees are quite high compared to others, but considering the quality of service, level of support, responsiveness, and overall guidance provided, we believe the service was well worth it. Overall, we are highly satisfied and would confidently recommend Expat Mortgage Platform, especially for expats who need clear guidance and comprehensive support throughout the mortgage process.
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Delfina Andrade profile picture
Delfina Andrade
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Highly recommend to work with Expat Mortgage Platform to buy a house. I am an expat in the Netherlands and they supported me with everything since I found a house I wanted to buy. They were very supporting though the process and did everything for me, I did not have to do much since my offer was accepted. I really recommend working with them, super nice and supportive and they also spoke my native language.
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Luiza Becker profile picture
Luiza Becker
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We had a great experience with Expat Mortgage Platform. The whole team was always available to answer our questions and guide us through every step of the process. Buying our first home in the Netherlands felt much easier thanks to their support, and the whole process was completed faster than we expected. A special thank you to Mantla and Dominique for all their help, patience, and quick responses. We highly recommend Expat Mortgage Platform to anyone looking to buy a home in the Netherlands!
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Thaovy Le profile picture
Thaovy Le
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Mantla and Frank were super helpful and responsive! Definitely recommend their services.
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Customer Stories

From young professionals to well-established families -
we cover it all!

Our process

Your path to homeownership
in 4 simple steps

01
Expat Mortgage Platform

Free Intake

We review your income, contract, and goals to determine what’s realistically possible.

02
Expat Mortgage Platform

Search & Bid Support

We calculate safe bids and explain exactly what you can offer — with confidence.

03
Expat Mortgage Platform

Application & Approval

We handle the paperwork, bank communication, and negotiations on your behalf.

04
Expat Mortgage Platform

Keys & Champagne

Final signing at the notary — your Dutch home is officially yours

Frequently Asked Questions

Don’t worry, we’ll let you know when you can safely sign the contract.

We compare all lenders, interest rates, and terms. With us, you’re guaranteed the best deal.

No, you don’t.

In many cases you don’t. We are happy to explain this during a meeting with you.

Of course! We will help and guide you from start to finish. You are not alone!

This depends on your personal situation. We are happy to discuss the options with you.

The timeline depends on the lender and the completeness of your documents. On average, a final mortgage offer is issued within 2 – 3 weeks after submitting the full application.

No, you can always sell your home without a penalty. You also do not pay tax on the amount you have left after the sale of your property.

You can sell it whenever you want to.

Yes, absolutely! Please feel free to contact us, we are happy to help you.

Sometimes this is possible; it depends on your situation. We would be happy to review the options with you.

Your first mortgage payment is usually deducted one month after you receive the keys.

The notary prepares the final settlement shortly before completion. You will receive the statement a few days before the transfer date, showing all costs and amounts due.

The required funds must be transferred to the notary’s account at least one working day before completion. Of course we will guide you.

You can apply for mortgage-related tax benefits after the purchase is completed. Many homeowners choose to apply during the annual tax return or request a provisionial tax refund earlier.

Yes. All lenders allow partial early repayments, often up to a certain percentage per year without penalty.

This depends on your financial goals and risk preference. Fixed rates offer stability, while variable rates may offer flexibility. Your advisor will help you choose the best option.

In most cases you can’t. Once the final mortgage offer has been issued, changes such as adding renovation costs are usually not possible. Renovation financing must be included before the final offer is issued. If you are considering renovations, it is important to discuss this with your advisor early in the process so it can be included in the mortage application where possible.

The better the energy rating, the more you can borrow. We will, of course, check this for you. It is also possible to obtain an energy savings budget; the lower the energy rating, the more budget you can get to improve the energy rating and increase the value.

Expat Mortgage Platform

Hi, I'm Melissa. Your local mortgage guide in the Netherlands.

Having worked with hundreds of expats, I realized how opaque the Dutch mortgage system can be for newcomers. My mission is to make the process as transparent and stress-free as possible.

We don’t just look at numbers; we look at your life plan. Whether you’re here for two years or twenty, we find the mortgage that fits your future.

Expat Mortgage Platform

Expat Mortgage Platform - Award-Winning Guidance for Starters & Expats

Proud winner of the Romeo Award 2025. We know how stressful buying your first Dutch home is, that’s why we’re rated #1.

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