Mortgage application timeline

Mortgage application timeline

A complete guide covering everything from financial preparation to mortgage approval and the notary transfer.

Download e-paper
How your mortgage is calculated?

How your mortgage is calculated?

A complete guide to how your mortgage is calculated in the Netherlands — covering the key variables lenders consider, including income assessment, existing debts, loan-to-value limits, interest rates, fixed-rate periods, and additional purchasing costs.

Download e-paper
Mortgage and non-traditional income

Mortgage and non-traditional income

A complete guide to getting a mortgage in the Netherlands if you are self-employed, work for an EU institution, or are eligible for the 30% ruling — covering requirements, lender assessment, and the approval process.

Download e-paper

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.

Our happy clients

We focus on delivering great results — and our clients' feedback tells the rest of the story.

Luc has been amazing at helping us navigate all the procedures regarding our mortgage. He is quick to respond and is always available over call. We had a great experience with him.

Balaaj

22-06-2026

Toni was happy to help us out quickly and was able to secure a good deal for us. He helped us out regurarly with a bunch of questions. - From a happy customer and a first time home owner.

Gedeon

13-03-2026

Our mortgage application was quite complex and Tony helped us through it very well. He gave brilliant advice that really saved our mortgage and enabled us to buy a home.

Abdullah H

26-02-2026

Luc was very informative, he made sure to explain everything I needed to know as a first time buyer. He made sure to be available for all my questions and inquiries. The process went very smoothly, and approval was quite quick.

Reem

23-06-2025

Bart is such a great mortgage advisor. He is reliable, knowledgeable and explains every details to me with great patience. It is a very smooth process to get 2 mortgage applications approved!

Melanie

19-06-2025

He helped us through the whole proccess, always helping us with our doubts and questions

F.N.S

15-06-2025

Meet our mortgage advisors

✓ 10+ years’ experience working with expats ✓ Independent advisors with access to 40+ lenders ✓ Guidance in English from start to finish