Guide: 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.
What can you expect?
In our e-paper, you will find a clear explanation of how mortgage lenders assess non-traditional income, how they calculate your maximum mortgage, and which key factors influence approval. We also guide you through the steps needed to prepare for a successful mortgage application. Enter your details to receive the full guide now.
OHAO was founded after our founder experienced firsthand how confusing, slow, and expensive mortgage advice could be. Since then, our mission has been clear: to guide expats step by step through the Dutch mortgage and home-buying process — making it clearer, fairer, and easier to understand.
We personally support you from the first financial assessment to the final signing at the notary. This includes calculating your maximum mortgage, advising on the right structure, reviewing documents, communicating with lenders, and managing the full application process on your behalf.
We offer transparent, fair pricing with no expat surcharges, no hidden add-ons, and no surprises. You know exactly what you are paying for, and the fee is fully tax-deductible once your mortgage is completed.
We also specialise in complex financial situations. Whether you are an entrepreneur, have a BV structure, are purchasing a high-value property, or earn international income, OHAO knows how to structure challenging applications.
With access to 40+ mortgage lenders, we compare options and secure the best possible match for your situation.
Our happy clients
We focus on delivering great results — and our clients' feedback tells the rest of the story.