When a marriage or relationship ends in the Netherlands, dividing shared possessions, savings, debts and property can become complicated. If you own a home together, the financial consequences can be particularly significant.
In the Netherlands, this division of assets is called boedelverdeling. It determines which assets and liabilities belong to each partner, how shared property is divided, and whether one partner must compensate the other.
For expats, understanding boedelverdeling is especially important. Dutch property rules may differ considerably from those in your home country, and owning a house together does not necessarily mean you can simply divide its value and walk away from the mortgage.
This guide explains how boedelverdeling works in the Netherlands, what happens to a jointly owned house, how to buy out your partner, and which mortgage arrangements you may need to make.
What Is Boedelverdeling?
Boedelverdeling is the Dutch term for the division of assets and liabilities, usually following a divorce, the end of a registered partnership or the breakdown of a relationship.
In English, boedelverdeling is commonly described as property division, division of assets or division of marital property.
It can involve dividing:
A jointly owned house or apartment
Outstanding mortgages and other loans
Savings and bank accounts
Investments and securities
Furniture and household possessions
Vehicles and other valuable belongings
Business interests
Certain pension-related entitlements
Boedelverdeling can also refer to dividing an estate following someone’s death. However, the applicable inheritance rules differ from those governing divorce.
The way assets are divided depends on your legal relationship, ownership arrangements, marriage date, and any agreements you have made.
For homeowners, one of the most important questions is what happens to the property and its mortgage.
How Does Boedelverdeling Work in the Netherlands?
Not every couple divides their belongings in the same way. Dutch law distinguishes between several types of relationships and marital property arrangements.
1. Marriage Before 1 January 2018: General Community of Property
If you married in the Netherlands before 1 January 2018 without a prenuptial agreement, the general community of property system usually applies.
This is known as algehele gemeenschap van goederen.
Under this system, most assets and debts belong to both spouses, including assets accumulated before marriage.
When the marriage ends, the shared estate is generally divided equally.
For example, suppose a married couple owns a house worth €500,000 with a remaining mortgage of €300,000.
The equity in the property is:
€500,000 – €300,000 = €200,000
If the house belongs to the community of property and both partners are entitled to equal shares, each partner would generally be entitled to €100,000 of the equity.
However, exceptions may apply, particularly for inheritances and gifts received under an exclusion clause.
The overall financial settlement may also be affected by other assets, debts and agreements.
2. Marriage After 1 January 2018: Limited Community of Property
Since 1 January 2018, couples marrying in the Netherlands without a prenuptial agreement generally enter into a limited community of property.
The Dutch term is beperkte gemeenschap van goederen.
Under this system:
Assets and debts acquired together during the marriage generally belong to both spouses.
Assets and debts that belonged exclusively to one spouse before marriage generally remain separate.
Assets and debts already jointly owned before marriage generally enter the shared estate.
Inheritances and gifts generally remain personal property unless different arrangements apply.
Consider a couple who married in 2022.
One partner already owned an apartment before the marriage. The other partner had personal savings.
If no other arrangements were made, the apartment and personal savings would generally remain separate assets.
However, a house purchased jointly during the marriage would normally become part of the shared estate.
It is important to identify which assets belong to the marital community before deciding how they should be divided.
3. Marriage With a Prenuptial Agreement
A prenuptial agreement is called huwelijkse voorwaarden in Dutch.
It allows spouses to make specific arrangements regarding ownership, debts and financial responsibilities.
For example, a prenuptial agreement might state that:
Certain assets remain individually owned.
Business assets are excluded from the shared estate.
Savings are kept separate.
Specific costs and financial obligations are shared.
Certain assets or increases in wealth must be settled between the spouses.
When a divorce occurs, the agreement plays an important role in determining the financial settlement.
However, the exact wording matters. Some agreements contain settlement clauses requiring partners to share particular amounts or assets even when ownership is separate.
A jointly owned property may still require a separate ownership transfer and mortgage adjustment.
4. Registered Partnerships
A registered partnership, or geregistreerd partnerschap, is legally similar to marriage in many respects.
The same distinction between general and limited community of property can apply.
If a registered partnership ends, shared assets and liabilities must also be divided according to the applicable legal arrangements.
This includes any jointly owned home.
5. Living Together Without Being Married
Unmarried couples do not automatically have the same property rights as married couples.
If you live together without being married or in a registered partnership, the ownership of individual assets generally depends on whose assets they are and what agreements exist.
A cohabitation agreement, known as a samenlevingscontract, can establish how certain assets, expenses and financial obligations are shared.
If you own a house together, the ownership proportions recorded in the legal documentation are particularly important.
For example, two unmarried partners may each own 50% of a property, even if one earns significantly more than the other.
But they may also have different ownership shares.
Additional agreements concerning personal investments, mortgage payments or reimbursement rights can affect the final settlement.
A relationship ending does not automatically change the registered ownership of the property.
Boedelverdeling and Your Mortgage: What Happens to the House?
For many couples, the family home is the largest asset involved in the division.
When you separate, there are usually three main options.
Option 1: Sell the House and Divide the Proceeds
Selling the property is often the most straightforward solution when neither partner wants to remain in the home or when neither can afford the mortgage independently.
After the sale, the outstanding mortgage is repaid from the proceeds.
Any remaining equity is divided according to the applicable ownership rights and settlement agreements.
For example:
Property sale price: €480,000
Outstanding mortgage: €340,000
Equity before selling costs: €140,000
Equal ownership shares: €70,000 per partner before costs and adjustments
If the property is sold for less than the outstanding mortgage, a residual debt may remain.
You must then determine how that debt will be handled.
Selling may also involve estate agent fees, mortgage discharge costs and potentially early repayment charges.
Option 2: One Partner Keeps the House
If one partner wants to remain in the property, they may be able to buy out the other partner.
This is known as uitkopen van je partner.
The partner keeping the house generally needs to compensate the departing partner for their agreed share of the property value.
The mortgage must also be reviewed.
A critical consideration is whether the remaining partner can afford the mortgage independently.
If the existing mortgage was based on two incomes, the lender may need to reassess the application using only the income of the person keeping the property.
Sometimes, additional financing is needed to pay the departing partner.
The transaction also generally requires a notarial deed transferring the relevant ownership share.
Option 3: Continue Owning the Property Together
In certain circumstances, former partners decide to retain joint ownership temporarily.
This might happen because:
The housing market is unfavourable.
One partner needs additional time to arrange financing.
The children will continue living in the home.
Both partners agree to delay selling.
A temporary financial arrangement is preferable.
However, retaining joint ownership can create additional complications.
You remain financially connected, and both partners may still be responsible for the mortgage.
You should document who pays the mortgage, insurance, maintenance and other costs, how the property can eventually be sold and what happens if one partner stops contributing.
Temporary arrangements can also have tax consequences.
How to Calculate a Partner Buyout After Divorce
One of the most common questions during boedelverdeling is how much one partner must pay to take over the house.
The starting point is usually the property’s current market value and the outstanding mortgage balance.
Example: Buying out your partner
| Item | Amount |
|---|---|
| Current property value | €500,000 |
| Outstanding mortgage | €380,000 |
| Total equity | €120,000 |
| Departing partner’s 50% share | €60,000 |
In this example, the partner keeping the property would normally need to compensate the other partner with €60,000, assuming equal entitlement and no additional adjustments.
If the remaining partner does not have €60,000 available in savings, additional mortgage financing may be necessary.
The required financing could be:
Existing mortgage: €380,000
Additional financing for the buyout: €60,000
Total financing: €440,000
This represents 88% of the property’s €500,000 value.
Although the property value may support this mortgage amount, approval is not automatic.
The lender must also assess the remaining partner’s income, financial commitments, mortgage structure and ability to make the payments.
Other settlement arrangements may also affect the calculation.
What If One Partner Invested More Money?
The calculation can become more complicated when one partner contributed considerably more personal savings when purchasing the property.
For example, one partner may have paid €80,000 from personal savings while the other contributed €20,000.
This does not automatically mean their ownership shares are 80% and 20%.
The outcome depends on the legal ownership structure, the applicable marital property regime and whether reimbursement arrangements exist.
The original purchase deed, prenuptial agreement, cohabitation agreement and documentation of personal contributions may all be relevant.
Have these arrangements reviewed before agreeing to a buyout amount.
What If the House Has Negative Equity?
Negative equity occurs when the outstanding mortgage exceeds the property’s market value.
For example:
Property value: €350,000
Outstanding mortgage: €370,000
Negative equity: €20,000
There is no positive equity to divide in this example.
If the house is sold, the €20,000 shortfall must generally be addressed, along with any selling costs.
If one partner wants to keep the property, the lender will need to assess how the outstanding debt and ownership transfer can be handled.
The parties’ legal responsibilities and any applicable mortgage guarantee arrangements are important.
Can You Take Over a Mortgage After Divorce in the Netherlands?
Yes, taking over a mortgage after divorce may be possible, but it requires the mortgage lender’s approval.
In Dutch, the process of releasing a departing partner from mortgage liability is known as ontslag uit de hoofdelijke aansprakelijkheid.
When two people are jointly and severally liable for a mortgage, the lender can generally hold either borrower responsible for the full debt.
This is an important distinction from property ownership.
Giving up ownership of the house does not automatically release you from responsibility for the mortgage.
Even if your former partner becomes the sole owner, you could remain liable for the mortgage until the lender formally releases you.
The lender will usually assess whether the remaining borrower can afford the mortgage independently.
Relevant factors include:
Gross income and employment stability
Existing loans and financial commitments
Current mortgage balance
Property value
Mortgage interest rate and repayment structure
Alimony and other financial obligations
Residence and employment status
The lender’s applicable affordability criteria
In some situations, the mortgage can be adjusted with the existing lender. In others, refinancing or a different mortgage structure may be necessary.
If you are unsure what you could borrow independently, our mortgage calculator for expats provides an initial estimate.
For a partner buyout, however, a personalised mortgage assessment is particularly important because standard calculators do not fully account for the legal and financial consequences of a separation.
Want to know whether you can keep your home after separation?
Request a free mortgage consultation with Expat Mortgage Platform to discuss your income, outstanding mortgage and available financing options.
What Is an Akte van Verdeling?
An akte van verdeling is a Dutch notarial deed of division.
It is particularly important when jointly owned property is allocated to one of the owners following a divorce or separation.
The deed records how ownership is divided and transferred.
It may establish:
Which partner becomes the sole owner
The agreed value of the property
The division of the ownership interests
The financial compensation between partners
Relevant settlement conditions
When jointly owned real estate is transferred to one partner, a Dutch civil-law notary prepares the necessary deed and arranges registration with the Kadaster, the Dutch Land Registry.
The deed of division and the mortgage lender’s approval serve different purposes.
The deed changes legal ownership.
The lender’s formal release changes responsibility for the mortgage debt.
Both matters need to be coordinated.
Step-by-Step: Dividing a House and Mortgage After Separation
Step 1: Determine Your Legal Ownership Rights
Start by reviewing the ownership of the property and your relationship’s legal structure.
Check whether you are married, registered partners or unmarried co-owners.
Review any prenuptial or cohabitation agreements, together with the original property documents.
For internationally married couples, the applicable matrimonial property law may also need to be established.
Step 2: Establish the Current Property Value
Before deciding how much one partner should receive, determine the property’s current market value.
A professional property valuation, known as a taxatie, can provide the necessary foundation.
The mortgage lender may also require an acceptable valuation report.
A valuation based only on an old purchase price or estimated online property value may not be sufficient.
Step 3: Calculate the Equity and Financial Settlement
Subtract the outstanding mortgage from the property’s current value.
Then determine how the equity or negative equity should be divided.
Take any relevant legal agreements, personal contributions and reimbursement claims into account.
Other assets and debts may also form part of the wider divorce settlement.
Step 4: Check Whether One Partner Can Afford the Mortgage
If one partner wants to keep the home, arrange a mortgage affordability assessment before finalising the settlement.
This helps establish whether the proposed buyout is financially realistic.
The assessment should consider the existing mortgage, any additional loan required and the costs of changing ownership.
Step 5: Agree on the Division
The financial arrangements should be documented clearly.
For divorcing spouses, they may form part of a divorce settlement agreement, known as an echtscheidingsconvenant.
Unmarried partners may record the terms in a separate settlement agreement.
Ideally, the arrangements should take account of the lender’s financing conditions before either partner makes binding commitments.
Step 6: Arrange Mortgage Approval and Notarial Documentation
If one partner keeps the house, the lender must approve the necessary mortgage changes.
The notary can then arrange the property division deed and any other required legal documentation.
The mortgage liability release and ownership transfer should be coordinated so that neither partner is left with unexpected obligations.
Step 7: Finalise the Transfer and Financial Arrangements
Once the lender and notary have completed the process, ownership and mortgage liability can be adjusted as agreed.
The financial compensation can also be settled.
Review insurance policies, mortgage payment arrangements and other financial commitments that may need updating.
Tax Consequences of Boedelverdeling in the Netherlands
Property division can have important tax implications.
The consequences depend on whether you sell the property, transfer ownership to your former partner or remain joint owners.
Mortgage Interest Deduction After Divorce
Mortgage interest deduction is known as hypotheekrenteaftrek.
Following a separation, the amount of interest each partner may deduct can change.
The Dutch tax authorities consider factors such as:
Property ownership
Responsibility for the mortgage debt
Who actually pays the interest
Who continues living in the home
Whether the former partners remain fiscal partners
Whether any payments are treated as partner maintenance
If one partner leaves the jointly owned house while their former fiscal partner continues living there, special rules may allow mortgage interest deductions for the departing partner’s share for a maximum of two years, provided the relevant conditions are met.
This does not mean that both partners can automatically deduct all mortgage interest during that period.
The specific arrangement matters.
For more information, read our complete guide to mortgage interest deduction in the Netherlands.
Tax Rules When Buying Out Your Partner
If you take over your former partner’s ownership share, additional financing used for the buyout may qualify for mortgage interest deduction.
However, new borrowing generally needs to meet the repayment requirements that apply to loans taken out from 1 January 2013.
For example, qualifying new mortgage debt generally needs to be repaid on an annuity or linear basis within the applicable 30-year period.
Older mortgage components may have different transitional tax rules.
This is particularly relevant if your existing mortgage includes an interest-only component or another older mortgage structure.
What Happens to Your Equity After Separation?
If you sell your share of the property and receive equity, you may need to consider the bijleenregeling.
This is the Dutch home equity reinvestment rule.
When you buy another home, previously realised equity can reduce the amount of your new mortgage on which interest is tax-deductible.
For example, suppose you receive €75,000 in equity after selling your share of the former family home.
If you subsequently buy another property, the tax treatment of that €75,000 may affect the deductible portion of your new mortgage.
The own-home reserve normally remains relevant for three years.
This does not necessarily mean that you must immediately pay tax on the equity you receive. It affects the tax treatment of financing a future home.
Do You Pay Transfer Tax During Boedelverdeling?
Transfer tax, known as overdrachtsbelasting, does not automatically apply to every property division.
Certain transfers connected to the division of marital property may be exempt.
There are also specific exemptions that can apply when jointly owned real estate is divided between unmarried co-owners, subject to the legal conditions.
However, not every transfer between former partners qualifies for an exemption.
The notary should establish whether an exemption applies to your particular transaction.
If no exemption applies, transfer tax may be payable.
Can a Partner Buyout Be Considered a Gift?
Potentially.
If ownership is transferred for significantly less than its appropriate value, the tax authorities may examine whether the arrangement involves a gift or another form of financial settlement.
This is one reason why a realistic property valuation and clearly documented agreements are important.
What Does Boedelverdeling Cost?
The total cost of dividing a property depends on the complexity of the settlement and the mortgage arrangements.
Potential costs include:
Property valuation fees
Civil-law notary fees
Land Registry registration costs
Mortgage advice and arrangement fees
Legal advice or mediation
Costs associated with refinancing
Potential early repayment charges
Transfer tax, if applicable
Translation or interpreter expenses
Not every situation requires all these services.
For instance, transferring a property to one partner using the existing mortgage lender may involve different costs from arranging a completely new mortgage.
You should also distinguish between mortgage-related expenses that may qualify for tax deductions and expenses connected purely to property ownership transfers.
Our guide to the costs of buying and financing a Dutch home explains many of the costs commonly associated with Dutch mortgage transactions.
Boedelverdeling for Expats: Additional Things to Consider
International homeowners often face additional complications during divorce and property division.
Marriage Outside the Netherlands
If you were married abroad, Dutch marital property rules do not automatically apply in every situation.
The applicable law may depend on your marriage date, nationalities, countries of residence, previous agreements and relevant international rules.
It is possible for a couple to own a property in the Netherlands while their matrimonial property arrangements are governed by foreign law.
An internationally experienced family-law specialist or civil-law notary can help establish which legal rules apply.
Foreign Assets and Debts
You may own property, investments or savings outside the Netherlands.
These assets can affect the overall division, even when the Dutch home is the main financial concern.
Foreign mortgages and other debts may also influence how a Dutch lender assesses your affordability.
Residence Permits and Employment
If you are a non-EU citizen, your residence and employment circumstances can be relevant when arranging a new mortgage or changing an existing one.
Lenders may assess the type and validity of your residence permit, employment contract, income and other financial commitments.
The end of a relationship can also have immigration consequences when residence rights are dependent on a partner.
Mortgage eligibility and immigration status are separate questions, so immigration advice may be necessary.
Foreign Income
If you work for an international employer or receive income from abroad, a partner buyout may require additional lender assessment.
Not all Dutch mortgage lenders treat foreign income, temporary employment and foreign-currency earnings in the same way.
You can learn more in our guide to Dutch mortgages with foreign income.
Language and Legal Documents
Dutch mortgage and property documents frequently contain terminology unfamiliar to international homeowners.
Important examples include:
Boedelverdeling: Division of assets
Akte van verdeling: Deed of division
Uitkopen: Buying out a co-owner or partner
Overwaarde: Property equity
Restschuld: Residual mortgage debt
Hoofdelijke aansprakelijkheid: Joint and several liability
Ontslag hoofdelijke aansprakelijkheid: Release from joint and several liability
Huwelijkse voorwaarden: Prenuptial or marital property agreement
Samenlevingscontract: Cohabitation agreement
Echtscheidingsconvenant: Divorce settlement agreement
Understanding these terms helps you make informed decisions throughout the process.
At Expat Mortgage Platform, we explain Dutch mortgage options in clear English and help international homeowners assess suitable financing solutions.
What If You Have a Bank Savings or Investment Mortgage?
Older Dutch mortgage products can make property division more complicated.
A bankspaarhypotheek combines a mortgage loan with a blocked savings arrangement.
A beleggingshypotheek uses an investment arrangement to build capital intended for mortgage repayment.
When couples separate, they may also need to determine what happens to the savings, investments or insurance policies connected to the mortgage.
Possible outcomes depend on the policy, lender conditions, tax rules and the financial settlement between the partners.
Changing or terminating these arrangements without understanding the consequences can be costly.
If you have an older Dutch mortgage, read our bankspaarhypotheek guide before making changes.
Does the National Mortgage Guarantee Help After Divorce?
If your mortgage has the National Mortgage Guarantee, known as NHG, there may be additional options when your relationship ends.
NHG can be relevant when one partner wants to remain in the home but faces difficulty meeting the original mortgage conditions.
Under applicable conditions, the mortgage lender and NHG may assess whether a financially sustainable arrangement is possible.
NHG can also provide protection against certain residual debts following an unavoidable property sale, provided all conditions are met.
However, divorce does not automatically entitle you to mortgage approval, debt forgiveness or financial compensation.
Your individual circumstances and compliance with NHG conditions determine what is possible.
Boedelverdeling After Death: Dividing an Inherited Estate
Although boedelverdeling frequently comes up during divorce, the term can also refer to dividing assets after someone dies.
In inheritance situations, the estate may contain savings, possessions, property and outstanding debts.
If a deceased person owned a house with a mortgage, the outstanding mortgage does not simply disappear.
The inheritance arrangements, property ownership, mortgage conditions and any applicable life insurance determine what happens next.
For example, a surviving partner might inherit an ownership share or remain an existing co-owner.
However, other heirs may also have rights to the estate.
The surviving homeowner may need to consider whether the mortgage remains affordable and whether ownership arrangements must be changed.
Estate division following death should be assessed under the applicable inheritance rules rather than automatically applying the rules for divorce.
For more information about financial support following the death of a partner, read our guide to the Dutch Algemene Nabestaandenwet.
Documents You May Need for Boedelverdeling and a Mortgage Transfer
Before arranging a mortgage assessment or property division, it helps to gather the relevant documents.
These may include:
Passport or identity documents
Existing mortgage agreement and current balance
Original property purchase deed
Recent property valuation
Marriage certificate or registered partnership details
Prenuptial or cohabitation agreement, if applicable
Draft divorce or separation settlement
Recent payslips and employment information
Annual income statements
Information about outstanding loans or financial commitments
Details of other assets and relevant savings
Residence permit documentation, where applicable
Your advisor, lawyer or notary may request additional information depending on your circumstances.
Frequently Asked Questions About Boedelverdeling
What does boedelverdeling mean in English?
Boedelverdeling means the division of assets and liabilities. In the context of divorce, it is often called property division, marital property division or division of assets. It can also refer to the distribution of an estate after death.
Is boedelverdeling compulsory after a divorce?
If spouses have shared assets and debts, their legal and financial interests generally need to be settled when the marriage ends. The exact process depends on their marital property regime, ownership arrangements and any agreements. Not every personal asset needs to be divided.
Does everything get divided 50/50 in the Netherlands?
No. Equal division generally applies to assets and debts belonging to the relevant community of property, but separate assets may be excluded. Prenuptial agreements, reimbursement rights and foreign matrimonial property rules can also affect the outcome. Unmarried partners may have different ownership rights.
Who gets the house after a divorce in the Netherlands?
The partners can agree to sell the house, transfer it to one partner or retain joint ownership temporarily. If they cannot agree, legal proceedings may be necessary. If one partner wants to keep the home, affordability and lender approval are important considerations.
Can I buy out my ex-partner without refinancing?
Sometimes. Your existing lender may allow the mortgage to be adjusted and one borrower to be released from liability without a complete refinancing. However, approval is required, and additional financing or changes to the mortgage may still be necessary.
How do you calculate a house buyout after divorce?
A typical starting point is the current market value minus the outstanding mortgage. The resulting equity is then divided according to the partners’ legal entitlements. Personal contributions, debts, legal agreements and other settlement arrangements may change the final buyout amount.
What happens if my ex-partner refuses to sell the house?
If you jointly own the property and cannot agree on a solution, you may need legal advice or court involvement. A co-owner can often seek a division of jointly owned property, but the outcome depends on the circumstances and applicable law.
Can my ex-partner remain on the mortgage after moving out?
Yes. Moving out does not automatically remove a borrower from the mortgage. If both partners are jointly liable, the departing partner may remain responsible until the lender formally agrees to release them or the mortgage is repaid.
What is the difference between boedelverdeling and an akte van verdeling?
Boedelverdeling is the overall division of assets and liabilities. An akte van verdeling is a formal notarial deed used to record and implement the division of certain assets, particularly real estate. The deed is only one part of the wider settlement.
Do I need a notary for boedelverdeling?
Not every aspect of asset division requires a notary. However, when jointly owned Dutch real estate is transferred to one partner, a notarial deed and registration with the Kadaster are generally required.
Can expats get a mortgage after divorce in the Netherlands?
Yes. Expats can apply for a mortgage after divorce or separation. Eligibility depends on income, financial commitments, employment, residence status, property value and lender requirements. A divorce can change borrowing capacity, particularly when the original mortgage was based on two incomes.
How long does boedelverdeling take?
There is no single fixed timeline. A straightforward settlement may be completed relatively quickly, while disagreements over ownership, complex financial arrangements, international assets or difficulties obtaining mortgage approval can delay the process.
Is boedelverdeling the same as an inheritance settlement?
The term may be used in both situations, but different legal rules apply. A divorce settlement divides assets according to relationship and matrimonial property rights, while an inheritance settlement distributes an estate according to inheritance law and any applicable will.
Do I pay tax when buying out my partner?
Tax may arise depending on the ownership structure, transfer arrangements and applicable exemptions. The transaction may also affect mortgage interest deduction and future home equity rules. Ask the notary and a qualified tax adviser to review the arrangement before completing the transfer.
Can I keep my existing mortgage interest rate after divorce?
Possibly. Some lenders permit existing mortgage components or interest-rate arrangements to continue when one partner takes over the property. This depends on the mortgage contract, lender policy and the proposed changes. Additional financing may have different conditions or rates.
Get Independent Mortgage Advice About Boedelverdeling
Dividing property after a separation involves more than deciding who receives the house.
You also need to understand whether the mortgage can be transferred, how much financing is required, whether the remaining partner can afford the monthly payments and what the lender will approve.
These questions can be especially complicated for expats with foreign income, international marriages or unfamiliarity with Dutch mortgage regulations.
At Expat Mortgage Platform, we help international homeowners understand their Dutch mortgage options.
We can help you assess:
Whether you can keep your existing home after separation
How much mortgage financing you may qualify for individually
Whether additional financing for a partner buyout is realistic
Which mortgage lenders may be suitable for your circumstances
How the proposed mortgage changes affect your monthly payments
What financial documentation may be needed for the application
Our independent mortgage advisors explain the financing process in English, allowing you to make decisions based on a clear understanding of your options.
Separating and wondering whether you can keep your home in the Netherlands?
Book your free, no-obligation mortgage consultation and discuss your situation with Expat Mortgage Platform.
This guide provides general information about Dutch property division and mortgages. The legal and tax consequences depend on your individual circumstances. For divorce settlements, inheritance matters and property ownership disputes, obtain advice from a qualified legal or tax professional when necessary.
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