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 €1.895,-

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

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

Great service, detailed advice, I absolutely recommend it! Bart helped us with every step and beyond, being very patient with all of our hundred questions, and even assisted us with the real estate

6 December

Happy for the assistance from Bart Kooijman in getting the mortgage for my house. Always very friendly and happy to assist and explain multiple times if needed whatever is not clear in the mortgage

5 December

Team is always avilable for help and given me appropriate suppot but I am not sure I got best mortgage options or not.

30 October

We are very happy that we have chosen Ohao and got to work with Bart. He is very professional, friendly, always available and get things done. He provided different options to us until we found the

21 October

It was a really great experience working with Bart on my Mortgage application. He explained everything in detail with great professionalism, and he available whenever we needed. All the questions

19 October

Bart Kooijman has helped us with our mortgage application, it was a great experience. He explained everything in detail with great professionalism, and he available whenever we needed. Everything was

21 September

Amazing experience Really liked the portal that was setup - was pretty smooth. The advisor is a very friendly person and answered all my queries in great detail; and even went to the extent of

6 September

Really liked the portal that was setup - was pretty smooth. Bart is a very friendly person and answered all my queries in great detail; and even went to the extent of clarifying some mortgage related

6 September

Great place! Good, professional advice. Walked me through all issues and secured the mortgage. Bron: extern

22 August

Great professional advice, very patient and responsive.

22 August

Fast mortgage application With the advisors from Ohao, I have timely applied for my mortgage. All queries have been timely resolved. Everything has been efficiently done. Bron: extern

11 August

The mortgage has been successfully obtained. Tom and Bart has assessed timely all queries and resolved all issues during the process.

11 August

Luc was very professional and was always available for any question I asked.

28 July

Best Mortgage Advisor The advisor was very helpful, patient and professional. He answered all the calls, replied to all the mails and questions. Bron: extern

26 July

Bart is a very knowledgeable, patient and thorough advisor. He took time to explain all the suitable mortgage options, and considered lead times carefully. He had excellent communication throughout

24 July