About Expat Mortgage Platform – Independent Mortgage Advice for Expats in the Netherlands

Expat Mortgage Platform (EMP) is a 100% independent, professional, and reliable mortgage advisor specialising exclusively in helping expats buy a home in the Netherlands.

We guide internationals through the entire Dutch home-buying process — from the first calculation to the notary signing — so you can purchase your dream home with confidence and without unnecessary stress.

EMP is a high-quality mortgage consultancy serving expats throughout the Netherlands.

New to the Dutch housing market?

Start with a free consultation and get clarity from day one.

Our Mission – Making Dutch Mortgages Simple for Expats

Buying a home in a new country can be overwhelming. Different rules, strict lenders, unfamiliar terminology — all in a language that may not be your own.

Our mission is simple:

• Explain everything in clear English

• Protect your financial interests

• Help you secure the best possible mortgage under the right conditions

We don’t just give advice — we walk alongside you during the entire journey.

100% Independent Mortgage Advice

Because EMP is fully independent, we are not tied to any bank, lender, or insurance provider.

We give truly independent mortgage advice for expats in the Netherlands.

This means:

• We compare virtually all Dutch lenders and insurers

• We select solutions based on your situation, not commissions

• We negotiate terms where possible

• We focus on long-term affordability, not short-term approval

Independence is the foundation of honest and objective advice.

Trusted by Thousands of Expats

Over the years, we have helped thousands of expats successfully buy a home in the Netherlands.

Our clients value us for:

• Transparency

• Expertise

• Clear communication

• Personal guidance

Average client rating: 9.8 out of 10

Trust is earned — and we work hard to deserve it every day.

Certified Mortgage Advisors (Erkend Hypotheekadviseur)

All EMP advisors are certified mortgage advisors (Erkend Hypotheekadviseur).

What This Means for You

• Proven professional qualifications

• Continuous mandatory training

• Up-to-date knowledge of:

  • Mortgage regulations

  • Tax rules

  • Lender policies

  • Market developments

Our advisors understand both the technical details and the real-life challenges expats face.

Expertise You Can Rely On

Dutch lenders all have their own rules, exceptions, and “quirks”. We know:

• Which banks are expat-friendly

• Which lenders are flexible with contracts or income

• How to structure mortgages efficiently

• When to push back — and when to walk away

We navigate the labyrinth of lenders so you don’t have to.

Our only priority is helping you buy the right home with the right mortgage.

More Than Just a Mortgage

EMP doesn’t stop at mortgage advice. We coordinate the entire buying process, including:

• Mortgage structuring and applications

• Reviewing purchase agreements

• Connecting you with trusted real estate agents

• Appraisers, notaries, and translators

• Keeping an overview from start to finish

One advisor. One clear plan. No loose ends.

Our Golden Team

Behind EMP is a team of experienced, motivated, and highly trained professionals who genuinely enjoy helping expats settle in the Netherlands.

Meet our Golden Team and discover who will be guiding you.

Ready to Get Started?

Whether you are:

• Just exploring your options

• Actively searching for a home

• Ready to make an offer

We’re here to help — without obligation.

Schedule your free consultation today.
Independent advice. Clear answers. No pressure.