Leading online mortgage experts

OHAO is here to help you find the right mortgage solution for every situation: From first-time home buyers, moving homes, refinancing and increasing your mortgage. Our team is more than happy to walk you through the process, so you can feel secure and comfortable that you are making the best decision.

Have a free call with our experts today!

Starting from € 2.195,-

Attens Hypotheken
Centraal Beheer
Dynamic Credit
HollandWoont Hypotheken
Lloyds Bank
MUNT Hypotheken
NIBC Direct
Robuust Hypotheken
Syntrus Achmea
Tulp Hypotheken
Vista Hypotheken
Venn Hypotheken

Our free orientation - How it works

  1. Tell us about you

    We'll ask you about you're:

    • Income

    • Savings

    • Current living situation

    • Desired outcome

  2. We'll searche and compare our 40+ lenders - free of charge

    We will check your borrowing capacity. We will also carefully discuss your situation. We will give a clear indication of your expected monthly costs, tailor made to your situation.

  3. Get a pre-aproval certificate from our advisors - increase your changes of making the winning offer free of charge

    In our pre-approval certificate we state that we carefully checked your offer. We calculated your maximum mortgage given your situation against the criteria of a wide range of providers. This gives more certainty for the selling party, putting you ahead in the bidding proces.

  4. Open questions? In need of additional calculations? - Contact us without limit free of charge

    We understand that closing a mortgage might be a stressful process. Maybe you didn't make the wining offer and need a recalculation for another property. Or you might not be sure if increasing the mortgage for that big renovation is the right thing for you. That's why we don't put a boundary on our introduction phase. Do contact your advisor with your questions - we like to help.

Tom van der Giezen

Mortgage Advisor

Get access to the lowest rates and best terms and conditions

With 40+ partnering mortgage providers you can be assured we get you the best deal possible. No matter how complex your situation.

Do I need to be an EU Citizen to get a mortgage for expats in the Netherlands?

Do I need to have worked a minimum of six months in the Netherlands in order to get a mortgage to buy a property in the Netherlands?

Is an expat mortgage in the Netherlands tax deductible?

Can I purchase a home to rent out (buy to let)?

Meet our team

The OHAO-Formula : super-brokers supported by the best tools build by awesome developers

  • Luc Zwaan

    Luc Zwaan


  • Lydia van der Weij

    Lydia van der Weij


  • Bart Kooijman

    Bart Kooijman


  • Leonie Assink

    Leonie Assink

    Office Manager

  • Tom van der Giezen

    Tom van der Giezen


  • Toni van der Flier

    Toni van der Flier


  • Maarten Tellegen

    Maarten Tellegen


  • Chana Niyornram

    Chana Niyornram

    Full Stack Developer

  • Jorian Stevering

    Jorian Stevering

    Full Stack Developer

Our happy customers

Toni was very patient and helpful, he walked us through the whole process and was there to respond to questions right away.

24 January

I am a first time home buyer and Bart was so diligent in answering my queries and providing updates on my application since day 1. He made the entire process so seamless! Thank you very much and

30 November

Bart offered me such a good help with applying my first mortgage.

8 November

Thank you soo much Luc Zwaan for helping out with my mortgage. The entire process was soo swift and you were always available to answer any of my query. Prices of OHAO were also low as compared.

27 October

Very professional and well familiar with the mortgage process and providing the best possible advise. All documents required are well explained, especially how to obtain from external websites. And I

25 September

The service Bart provided was excellent. Communication in English was always easy, clear and fast - and went way above what we were expecting from the service. It's especially good if you've never

25 September

Very professional and personal service. I came for the competitive price but you get everything you need, simple and clear. The platform used is also convinient and secure. Highly recommended!

13 September

Luc is an exceptionally pleasant individual, and he provided invaluable assistance throughout the process. He consistently responded to my calls promptly, or he would promptly return my calls if he

8 September

Lydia was very helpful with the whole process and also very fast in communication. Highly recommend.

30 August

It is really nice experience working along with Toni, I got all my financial related questions/issues sorted out very well. Wish you all the best, Thanks for all the support.

16 August

Luc was always helpful, ready to quickly answer on all the appeared questions. Moreover the final mortgage rate was even lower than I was initially expected. Other good bonuses were applicable as

14 August

Such an easy and smooth ride through the buying process thanks to Bart from OHAO. The service is excellent, the fee is competitive and I can highly recommend OHAO to assist you through the

9 August

Bart Was amazing, he was very helpful and supportive during the whole process.

20 July

Lydia and Bart were really responsive. They helped me to get my mortage in time with uptimal rate. In short, i experienced an excelent service.

6 July

We highly recommend OHAO to anyone pursuing a mortgage to buy a house. Bart guided us from our house search phase (an on & off process that took many months) up until the day we got our keys. With

29 June

We were very lucky to work with Toni van der Flier from Ohao for the mortgage of our house. He guided us through the process, giving advice, listening to our needs and answering all our questions

28 June

Bart was very clear from the beginning to the end of the process. He is knowledgeable and he helps out clients in a very personal way.

16 June

Bart has been an excellent mortgage advisor for us. We are very glad we chose Bart and OHAO. From the very first conversation, I liked the way he communicated things in a clear and crisp manner with

30 May

Clear and precise communication throughout the process in English. When the person in charge is way for holiday, just call the office and others jumped right in. What I like the most is the online

25 May

As an Expat, I was not sure if I could succeed to buy a house in the Netherlands. With Lydia's help, this lifetime task ended successfully. The Ohao website has the digital environment in English,

21 April

Lydia was super helpful, friendly and lovely to work with. She was also very patient with me, which made the whole process a lot less stressful. And I also got a great mortgage deal in a very short

17 April

Very happy with the service from Luc. He arranged my mortgage very quickly and explained clearly about the process. Already recommended my friends and colleagues to consult him.

3 April

Luc is a professional mortgage advisor with a highly patient. As a first-time loan customer, he provided us lots of suggetions and customized solutions. We are satisfied that our mortgage approved

2 April

Amazing service from OHAO. Luc was always quick to respond and helped with all our queries. As first time home buyers, he was patient with our questions. And in the end arranged everything quickly

22 February