Download your free Dutch home buying guide for expats now

Learn how the Dutch housing market works for expats and follow the step-by-step mortgage and approval process. Understand all the costs involved, what banks look for before approving your mortgage, and what to watch out for. VvE, inspections, and the notary process are all explained clearly in plain English.

Your step-by-step guide to buying a home in the Netherlands

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

A 7-page home buying guide for expats

Clear, actionable guidance — from your first property search to signing at the notary, written in plain English specifically for expats.

Understand the unique characteristics of buying in the Netherlands — including tax deductions, transfer tax exemptions, and how interest rates work.
Learn how much you can borrow based on your income, contract type, and savings — and why online calculators are often unreliable.
How to submit a formal offer, what conditions to include, and how a mortgage pre-approval certificate can strengthen your bid.
What happens after your offer is accepted — inspections, valuations, mortgage application, notary process, and what documents you need.

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

From first search to your new home in the Netherlands

Understand the Dutch housing market: tax benefits, interest rate structures, and what makes buying in NL different from your home country.
Get your finances in order: calculate your maximum mortgage with an OHAO advisor — based on your real income and current market rates.
Start your property search: use Funda.nl and an aankoopmakelaar to access listings, understand pricing, and navigate Dutch housing law.
Define your must-haves: especially in competitive cities — knowing your priorities helps you act fast and avoid disappointment.
Make an offer: submit a written offer, request a mortgage pre-approval certificate, and negotiate with confidence.
Technical inspection & valuation: arrange a bouwkundige keuring and taxatierapport — protecting you from unexpected costs later.
Mortgage application & notary
Your OHAO advisor handles the full application, document collection, and lender communication. Sign the mortgage deed and transfer deed — and walk away with the keys to your new home.

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 850 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

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

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.