Home Financials

FAQ about a Dutch mortgages 

When you’re decide to buy a house in the Netherlands, the first thing you should do is check if you’re eligible for a mortgage. Applying for a Dutch mortgage can be a difficult process, since the rules are complicated.

How does a Dutch mortgage work and what are the special requirements for expats?

To be eligible for a Dutch mortgage, you have to meet some extra conditions:

  • You live in the Netherlands (some banks require that you have lived in the Netherlands at least 6 months up to years).
  • When you’re not an EU/EEA citizen, you need a valid residence permit.
  • If you have a partner he or she has to live in the Netherlands too.
  • You need to have a BSN (citizen service number)

Other conditions might apply to you, depending from your country of origin.

There are a lot of documents you have to share to get an expat mortgage in the Netherlands, depending on your personal situation and mortgage lender. You will have to show at least the following documents:

  • Salary slip
  • Contract of employment
  • Letter of employment
  • Income history of the last 3 years (if you are self-employed/can’t get an intention)
  • Copy of your passport
  • Copy of your residence permit (if applicable)
  • Confirmation letter regarding 30% ruling (if applicable)
  • Overview of your assets, credits/loans, and extra income

We will guide you through the entire mortgage process and ensure that your personal mortgage file is complimented together. Let’s us guide you from the mortgage to the keys of your new home!