Full support for first-time home buyers

As an international buying your first home in the Netherlands, there are many advantages. A mortgage appointment with A&H Finance helps you to enter the housing market well-informed and with confidence. Just give us a call or plan a free consultation. This consultation will give you an idea of how much you can afford and you can proof sellers that you’re a serious buyer.

Are you eligible for a mortgage?

Lenders will want to verify that you have a stable source of income. They may ask for documentation such as pay stubs, tax returns, and employment contracts. If you are an entrepreneur or small business owner, your business income can be used to qualify for a mortgage.

Our financial mortgage advisors show exactly where you are eligble for, help you with the appraisal, technical inspection and purchase broker if needed. Feel free to give a call or plan a meeting.

Good to know that bank fees, arranging the life insurances, disabilty insurances etc. are included in our sharp international client rates.

first mortgage in the Netherlands

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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.

Advantages for expats in 2023

By handling much of the paperwork and communication with the lender, A&H Finance, as expat mortgage broker, will save you time and effort in researching and applying for a mortgage. This makes the process smoother and less stressful for you.

Starting from 2024, you will not have to pay transfer tax up to a purchase price of €510,000, which is currently €440,000 in 2023. This rule only applies if you buy a home to live in yourself and have not previously used this so-called starter’s exemption.

As a first-time homebuyer, you can get a mortgage up to €405,000 at the low NHG rate in 2023. With energy-saving facilities, this even increases to €429,300.

NHG, also known as the National Mortgage Guarantee, is a unique program that allows for the secure and sustainable acquisition of your mortgage. Additionally, in case of uncontrollable circumstances affecting your ability to pay, the National Mortgage Guarantee could provide support to you and your mortgage lender.

For those who are not fluent in Dutch, A&H Finance advisors will provide language support to help navigate the mortgage application process.
Our goal is to provide you with the right financial advice that suits you and that you can easily understand.

The 30% ruling* has some impact on your ability to qualify for a mortgage in the Netherlands. This is because the ruling effectively increases your disposable income, which can be used to support a mortgage application. In some cases, if you are not able to meet the income requirements for a mortgage without the 30% ruling, you may be able to qualify for a mortgage with the benefit.

*The 30% ruling is a tax benefit that is available to highly skilled expats who have been recruited from abroad to work in the Netherlands. Under the ruling, expats can receive a tax-free allowance of up to 30% of their gross salary to cover the additional costs of living in the Netherlands.

Parents, family or friends can make a gift for the purchase of your home. Often this gift is exempted from Dutch tax, as long as the donor is not a resident of the Netherlands for tax purposes*.

When a gift is used for the down payment on your mortgage, it can help you to qualify for a larger mortgage than you would otherwise be able to obtain. Advisors of A&H Finance will provide you with professional advice to understand the impact on mortgage terms and tax implications.

*Tax-rules of your home country may apply. 

Gain more insight during your first mortgage consultation

We understand that as an expat and first-time buyer on the Dutch housing market, you have many questions. During an orientation meeting, our advisors explain the different repayment methods and what kind of tax benefits you can expect. We can also inform you about how family members could help you get a little further in the buying process.

With us, the same advisor remains your contact person from the first contact until the moment you have the keys to your first home.

Our goal is to provide you with the right financial advice that suits you and that you can easily understand. Your questions are always welcome, and we are happy to help you on your way to your dream home.

The best mortgage for your situation
  • (Co-habitation) agreements

In our mortgage advice, we not only discuss the financial aspects, but also what is important to include in a co-habitation agreement. This can include agreements on the contribution of each party and what happens in the event of one of your deaths. There are different ways to purchase the property. Based on your incomes, you can also choose a different distribution than 50/50, for example. We will go through all the possibilities with you and help you to formalize them.

This way, you can enjoy your new home with peace of mind.

  • Competitive expat starter fee

Mortgage advice at a competitive rate. This not only includes mediation with the lender, but also advice on death, disability, retirement, unemployment, insurance brokerage fees, and comparison of all lenders and insurers in the Netherlands.
Additionally, we help schedule the appraisal and building inspection and collaborate with a tax advisor and purchasing agent.

Check out the competitive and transparent all-in rate, which is also tax-deductible.

Make your home sustainable

Sustainable home improvement is more important than ever nowadays.
By reducing energy consumption, not only can money be saved, but also a contribution can be made to reducing CO2 emissions.
Ask us for the possibilities.

Construction depot

If you have plans to renovate or make your home more sustainable, you can also apply for a construction deposit when applying for a mortgage. This is a kind of account with the bank, from which the costs of the renovation or sustainability measures can be paid.

  • Keys to your new home

Purchasing costs

When buying a house, you not only pay the mortgage, but also other additional costs such as acquisition costs and financing costs. These include real estate agent fees, appraisal fees, notary fees, and a possible building inspection.