Expat mortgages in the Netherlands

Are you an expat eager to own property in the picturesque Netherlands? Look no further! Our specialized team of expat mortgage brokers is here to guide you every step of the way. We understand the unique challenges expats face when seeking a mortgage even if you still live abroad, and we’re dedicated to turning your homeownership dreams into reality.

expat mortgages in the Netherlands

Here are the steps to follow when seeking an expat mortgage in the Netherlands

Prior to beginning your search for a home, it is essential to establish your financial limits. The upper limit of your mortgage capacity is based on various factors such as your annual income, outstanding loans, and debts. In addition to your maximum capacity, you should also take into account what monthly expenses you can manage. Our online tool can help you determine the monthly expenses for your desired mortgage amount.

Factors that determine your maximum mortgage >>

Funda.nl is a popular website for searching for homes in the Netherlands. If you come across a house you are interested in, you may schedule a meeting with the selling broker. Alternatively, you can enlist the services of a real estate agent to assist you in finding properties and submitting offers. Fees for agents may vary, with some charging a fixed price and others taking a commission ranging from 1 to 2 percent of the purchase price.

Are you looking for a house in the greater Amsterdam region? Fixed price arrangements are made with purchase brokers and located at the same office to make it extra convenient for you! Of course, we are more than happy to make recommendations for other agents if you are looking elsewhere.

Have you discovered your dream home? Then it’s time to submit an offer.
It’s preferable to send the offer via email to document your conditions. A standard condition is ‘Voorbehoud van financiering’, which implies that you can retract the agreement if the mortgage application falls through. Expect to receive a counteroffer, so avoid beginning with your highest price. If your proposal is accepted, and you sign the contract, you have a three-day grace period to reconsider. Once this duration elapses, you are legally obligated to abide by the contract’s terms.

Since you already uploaded all your documents in our digital environment at the start of determining your mortgage possibilities, we are fully prepared to start arranging your mortgage and find the most appropriate mortgage for you.
If your mortgage request is approved by the provider, you will be provided with a mortgage proposal that includes the applicable interest rate. Receiving a mortgage offer within two weeks is very normal to us and helps you to make your offer more attractive.
When you’ve signed this proposal, you’re nearly finished!

When the day of the house transfer arrives, you’ll need to visit the notary. At this point, you’ll be required to sign the last purchasing agreement and mortgage agreement, and acquire the keys to your new home. Congratulations, the property is now officially yours!

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Call us

You’re not going to hit a long phone menu when you call us. Talk to one of our advisors directly by calling: +31(0)20 – 465 19 51. We are available on weekdays between 9am and 6pm.

Schedule a meeting

Do you prefer to pick your own date and time? Let us know what time suits you best, and we will ring you on the moment you prefer.

A&H Finance

Amsterdamseweg 71
1182 GP Amstelveen

Office hours:
9am– 6pm (Mon-Fri)

Meetings after 6pm are possible.