Expat Mortgages in the Netherlands – Your Complete Guide
Buying a house in the Netherlands as an expat can feel complex. Dutch mortgage rules, strict lending criteria, and differences between banks often make it difficult to know where to start.
At Expat Mortgage Platform, we specialise in expat mortgages in the Netherlands and help internationals secure the best Dutch mortgage at the most competitive rates.
As a 100% independent mortgage advisor, we compare all major Dutch lenders and guide you through the entire process – from first consultation to final notary signing. We’ve already helped thousands of expats buy a home in the Netherlands, earning an average client rating of 9.8 out of 10.
Are you planning to buy a home?
Book a free mortgage consultation and find out how much you can borrow as an expat.
Buying a House in the Netherlands as an Expat
The Dutch housing market works differently from many other countries. As an expat, you may wonder:
- How do I start buying a house in the Netherlands?
- Can expats buy property without permanent residency?
- What is the difference between buying a house and an apartment?
- Can I buy a property to rent out?
- How competitive is the Dutch housing market?
We explain every step of the buying process, including bidding strategies, legal checks, purchase contracts, and working with estate agents. Whether you are buying your first home or relocating within the Netherlands, our advisors make sure you avoid costly mistakes.
New to the Dutch housing market?
We guide you from orientation to keys in hand.
Getting a Dutch Mortgage as an Expat
Getting a mortgage in the Netherlands as an expat is absolutely possible – even if your situation is not ‘standard’.
We regularly help:
- Expats with temporary employment contracts
- Self-employed expats & freelancers
- Expats working abroad but buying in the Netherlands
- Non-EU nationals
- Buyers looking for buy-to-let mortgages
Dutch banks apply strict affordability rules, but many lenders offer special mortgage solutions for expats. We analyse your income, contract type, residence status, and future plans to match you with the most suitable lender.
Not sure if you qualify?
Schedule a free eligibility check with an expat mortgage specialist.
Types of Dutch Mortgages for Expats
In the Netherlands, several mortgage types are available. The most common options for expats are:
- Annuity mortgage – fixed monthly payments over time
- Linear mortgage – decreasing monthly payments
Each mortgage type has different tax implications, risks, and long-term costs. We clearly explain which mortgage structure fits your financial situation and future plans, so you never overpay.
Unsure which mortgage is best for you?
We compare scenarios and explain everything in clear English.
Renting or Buying a House in the Netherlands?
Many expats struggle with the question: rent or buy?
With rising rents and a tight housing market, buying can often be financially attractive – but not always.
We help you compare:
- Monthly rent vs mortgage payments
- Flexibility vs long-term equity
- Tax advantages of buying
- Risks of short-term ownership
Our advisors provide honest, data-driven advice, tailored to your stay duration and financial goals.
Still deciding?
Get a personal rent vs buy calculation from our experts.
Costs of Buying a House in the Netherlands for Expats
Besides the purchase price, buying a home in the Netherlands involves additional costs, such as:
- Transfer tax
- Notary fees
- Mortgage advice & arrangement costs
- Valuation and structural inspection
- National Mortgage Guarantee (NHG), if applicable
Most of these costs cannot be financed, but with the right strategy, they can often be reduced. We explain all costs upfront – no surprises.
Want a full cost overview?
Request a clear expat buyer cost breakdown.
Why Choose Expat Mortgage Platform?
- 100% independent mortgage advice
- Specialised in mortgages for expats in the Netherlands
- Access to all major Dutch banks & lenders
- Clear communication in English
- Personal guidance from start to finish
Plan your free consultation today and discover your mortgage options as an expat.
Best Mortgage advice for Expats
The Expat Mortgage Platform experts will help you find the perfect Mortgage against the best possible rate! Calculate your Maximum Expat Mortgage online or make a free appointment with one of our mortgage advisors. Welcome!