Book a free mortgage intake call — understand your mortgage options with confidence
OHAO
Introductory Call
In this free consultation, our mortgage advisors take the time to:
- Explain the mortgage process.
- Answer all your questions.
- Calculate your maximum mortgage, fully tailored to your situation.
- Provide insight into the expected monthly and total costs.
After this free consultation, you will receive a summary report. The advisor remains available free of charge for additional questions.
Simple process
How we help you
OHAO mortgage advisors navigate the entire mortgage journey on your behalf.
Guidance
We assess your situation and explain your options in clear, straightforward English.
Compare rates
Why settle for one bank when you can access 40+ Dutch mortgage lenders through us?
Documents
From collecting documents to communicating with lenders, we handle the entire process for you.
Get approved
From submission to mortgage approval, we get it done right.
Tailored mortgage solutions for expats
Your situation may be unique — our expertise is built for that
Self-employed (BV or ZZP), 30% ruling, foreign or variable income.
EU or non-EU residency status, temporary or permanent contracts.
First-time buyers, moving homes, refinancing, mortgage increases, renovations, or rental mortgages.
Expert mortgage support for both new build and existing properties.
Preparation to place a bid, financial clauses, bouwdepot guidance, and other unique situations.
Comparison of multiple mortgage lenders and conditions tailored to your situation.
Trusted by expats
✔ 10+ years of experience working with expats ✔ Independent advisor with access to 40+ lenders ✔ Guidance in English from start to finish
Luc Zwaan
Mortgage Advisor
Robin Uijtdehaage
Mortgage Advisor
Bart Kooijman
Mortgage Advisor
Toni van der Flier
Mortgage Advisor
Prefer not to call?
Our mortgage advisors are happy to answer your questions via e-mail.
We'll respond as soon as possible with a clear next step.
FAQ
Is the consultation free?
Yes, your first call or office visit is completely free and without obligation. We use this time to understand your situation and create a clear plan tailored to your goals — whether you are a first-time buyer, moving home, refinancing, or investing.
What should I prepare for the mortgage consultation?
No specific preparation is required for the initial consultation. The first meeting is focused on understanding your situation and answering your questions. While having a general overview of your income or a recent payslip can be helpful, it is not necessary. We will guide you through every step with clarity and care.
Do expats get a higher interest rate?
No. In general, mortgage providers in the Netherlands offer the same interest rates to expats as they do to Dutch nationals.
How many years should I have lived in the Netherlands to get a mortgage in the Netherlands?
There is no fixed number of years you must have lived in the Netherlands to qualify for a mortgage. In many cases, you can apply as soon as you are legally living and working in the country. What matters most to lenders is your income stability, employment contract, and residency status — not the number of years you have been here.
Does the mortgage interest rate affect how much you can borrow?
Yes, the lower the interest rate the more you can borrow. You can easily see this for yourself when using our handy Maximum Dutch Mortgage Calculator.
Our happy clients
We are proud that so many clients appreciate the care, clarity, and high standards we bring to every mortgage journey.