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Download your free Dutch mortgage guide for non-traditional income

Freelance, BV owner, foreign salary, 30% ruling or international institution? This free guide explains exactly how Dutch lenders assess your income — and what documents you need.

Mortgage requirements for ZZP, 30% ruling, BV owner and other income types

All covered in the free guide — in plain English, with no jargon

A 6-page guide to how Dutch lenders treat non-standard income

Clear, practical guidance on how non-standard income is assessed for your mortgage — explained in plain English for expats.

  • How lenders assess freelance income, what KvK history you need, and why previous employment in the same industry is a major advantage.

  • Why your personal salary alone isn't enough — and how lenders assess your company's cash flow, profit margin, and income history over 3 years.

  • Which currencies are accepted, why lenders only count 70–90% of your gross income, and what documents are needed for a foreign employer.

  • How the 30% ruling boosts your mortgage capacity now — and why borrowing at the maximum can be risky when the ruling ends.

  • 100% independent mortgage advisors
  • Access to 40+ lenders
  • Clear, fast, and personal guidance

From non-traditional income to mortgage approval

  • Not all lenders treat non-standard income the same: some lenders are flexible with 1–2 years of ZZP or BV history. An independent advisor knows which lenders to approach — saving you time and rejected applications.

  • The 30% ruling can work against you: borrowing at your maximum during the ruling period can be risky. When the ruling ends, your net income drops — but your mortgage stays the same. Plan ahead.

  • International institution staff may lose the interest deduction: if your salary is tax-exempt in the Netherlands, you may not benefit from mortgage interest deduction — which changes your monthly cost calculations significantly.

Our happy clients

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

5.0/5 op basis van 851 reviews

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

Bart was an amazing advisor; especially, given my situation as an American expat. He made it clear on what the process would be, documentation, and even guided me through some portions to help me understand how to best approach the Dutch home buying process. Overall, I would recommend anyone to work with OHAO and Bart as he will take good care of you.

Isaac

04-06-2026

Working with Bart as our mortgage advisor was a great experience from start to finish. He took the time to understand our situation, explained everything clearly, and patiently answered all our questions along the way. Bart is knowledgeable, responsive, and genuinely looks out for his clients' best interests. He turned what could have been a stressful process into a smooth one. Highly recommended!

Pouyan

10-05-2026

Luc Zwaan at OHAO provided top-tier service for our home purchase. He is knowledgeable, proactive, and very clear in his explanations of Dutch mortgage rules and tax benefits. Our mortgage was approved quickly and without any issues. If you want a mortgage advisor who is reliable and stays on top of every detail, Luc is the person to go to. 5 stars!

Mayur

26-03-2026

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's advising is very professional, detailed, honest and tailored to what is the best for me. He covered all aspects that needs to be considered and explained everything thoroughly. He is also always very fast in responding and managed to get my mortgage approved within 3 working days. Definitely would highly recommend his services if you are looking for a reliable mortgage advisor.

Yinuo

18-02-2026

I had the pleasure of working with Luc to find a new mortgage, and refinance my existing one. His expertise made the process smooth and clear, answering all my questions promptly and securing a great rate. I highly recommend him for anyone navigating Dutch mortgages!

O.B

07-01-2026

I had a very pleasant experience with OHAO, especially with Bart. He is great and truly an expert in his field—always responsive, supportive, helpful, and quick to provide any required information. The mortgage approval process was fast and smooth. I highly recommend OHAO if you’re looking for a quick, professional, and trustworthy service.

Maryam

06-11-2025

Bart is very knowledgeable and very quick while helping us. He's already helped us with multiple mortgages and every time he knows exactly how to approach the process so that we get the highest chance for the bank to accept our request on the best possible terms. Highly recommended.

Alex

05-10-2025

Bart Kooijman was recommended to us and we had a great experience. He is a nice and friendly person and very easy to work with - available, proactive, friendly, and very good at explaining. He provided us with invaluable advice during the mortgage process.

EM

18-08-2025

I have really appreciate Luc service! Gentle, accurate, fast, responsive, immediate, and tailor driven - that's all makes my experience with Luc just amazing. We have found a good mortgage provider very fast, I think, we have spent only 2-3 weeks for the whole process from A to Z. Really recommend this company and Luc as an adviser!

Aleksandr

28-07-2025

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

Toni was always helpful and reachable. He was very patient with us, explaining every step. My husband and I were in our probation period, and he was the only person who agreed to give us the mortgage statement, which gave us peace of mind. Highly recommended!

Maryam

22-04-2025

Toni has helped us in every possible way to make us comfortable and well informed about the mortgage process which helped us a lot in taking big decisions. He helped us through out the journey from selecting a house till buying and getting the mortgage approved. We would highly recommend him for this purpose.

Satabdi Chatterjee

02-04-2025

Meet our mortgage advisors

With over 10 years of experience helping expats successfully secure mortgages in the Netherlands. We work with more than 40 lenders to find the right solution for you and guide you from start to finish.