Mortgages for expats – no stress, no confusion
Navigating the Dutch housing market as an expat can be tough. We handle everything in English — from comparing 40+ lenders to securing the best rate — so you can focus on finding your home.
Reviews form our happy clients
We aim for 5-star service every day — it’s our standard. That’s why we take great pride in the positive feedback we receive from our customers.
Independent mortgage advice for expats
We are proud of our outstanding client satisfaction — rated 9.9 on Advieskeuze and 5 stars on Google
All mortgage lenders in one place
Clear comparisons. Honest explanations. The right mortgage for you.
Online or in-office appointments
Helping clients across the Netherlands, with flexible online and face-to-face consultations.
Mortgage advice in English
We explain the Dutch mortgage system in clear, simple terms.
We specialize in expat mortgages
Experience with the 30% ruling, foreign income, and freelance or alternative income structures
Expert advice from €2,495
Complete mortgage advice for expats at a fair and transparent fee— tax-deductible.
A Trusted network for expats
We connect you with reliable real estate agents, appraisers, notaries, and tax partners — all working together for you.
Helping Expats with every mortgage in the Netherlands
At OHAO, we know the Dutch mortgage system can feel unfamiliar—and sometimes overwhelming—when you are coming from abroad. That’s why we specialise in guiding expats in every situation: from first-time buyers and new-build purchases to refinancing and more complex mortgage scenarios.
We do not offer one-size-fits-all advice. Instead, we take the time to understand your background, income structure, and plans, and then match you with the mortgage solution that truly fits your needs.
Start with a free, no-obligation consultation with one of our experienced mortgage advisors. During this meeting, we walk you through your options and explain every step in clear, straightforward terms.
With over 10 years of experience supporting expats in the Netherlands, we have helped hundreds turn uncertainty into clarity—and secure the right mortgage with confidence.
- Competitive advisory fees from €2,495
- Expat mortage experts
- Clear, fast, and personal guidance
Compare multiple mortgage rates in one place
We work with multiple mortgage lenders in the Netherlands — from the biggest banks to a wide range of other financial institutions — giving you many options tailored to your plans.
Whether you're a first-home buyer, looking to refinance to a lower rate, increase your mortgage, or switch from residential to rental, we compare the market and help match you with the right solution for your situation.
Mortgage news for expats
Stay up to date with the Dutch mortgage and housing market, so you can make informed decisions with confidence. If a topic feels complex—or you want to understand how it applies to your personal situation—feel free to schedule a free, no-obligation call with one of our mortgage advisors.