Mortgages for expats in the Netherlands

At OHAO, we specialize in helping expats like you navigate the Dutch mortgage market with ease and confidence. Whether you are buying your first home, relocating within the Netherlands, refinancing, or looking to increase your mortgage for renovations — we are here to make the process as smooth as possible.

Our team understands the unique challenges expats face — from navigating eligibility and local regulations to dealing with banks and handling paperwork in a different language.

How can OHAO help you?

New country, new rules — we make getting a mortgage in the Netherlands easier.

With over 10 years of experience in the mortgage industry, we have helped many expats settle into life in the Netherlands by securing the right mortgage for their new home.

Many expats are unsure about the rules, requirements, and options when it comes to Dutch mortgages. At OHAO, we explain everything clearly, break down common myths, and guide you through the entire process—so you can buy with confidence.

Expert advice and detailed reports provided in English
Compare 40 mortgage lenders
Competitive advisory fee starting from €2.495-

How we work

1 Free orientation call

To provide the best mortgage advice, we start with an in-depth call to understand your situation. We discuss your income, savings, current living arrangements, and goals. This information allows the OHAO team to set up calculations that you can use as guidance when searching for your new home.

2Compare mortgage lenders

3Bidding certificate

4Mortgage application

Free orientation call

Reviews from our happy clients

Every day, we strive for 5-star service, as this is the minimum for us. That’s why we are so proud of the feedback we receive from our customers.

5/5 based on 192 reviews

Excellent service from start to finish. Friendly, responsive, and always willing to help. All required paperwork was handled on time, and any questions were answered quickly by email. I particularly appreciated the extra effort in checking and assisting with documents beyond the agreed scope. His support made the whole mortgage process clear and stress-free. Highly recommended!

Leyli Alakbarli

26-09-2026

A fantastic service from Toni and the whole team at OHAO. I would strongly recommend them. As first-time buyers, we had a lot of questions and a slightly complex mortgage application, but Toni guided us through the process brilliantly. Everything was communicated clearly and in a timely manner, and he was always quick to respond and happy to explain things. We were recommended OHAO by a colleague who had a great experience with them, and we’re very happy we followed their recommendation. Excellent service from start to finish!

Hasara Dinushika

07-09-2026

Very satisfied with my experience with OHAO. From the very first conversation with Toni van der Flier, everything was explained clearly, and I felt well guided throughout the entire mortgage process. Communication was pleasant and straightforward, questions were answered quickly, and I always knew where things stood. During Toni’s absence, Bart Kooijman took over my case, and that transition also went very smoothly. I’m very happy with the support I received from both Toni and Bart, and I would definitely recommend OHAO to colleagues, friends, and family.

remi autar

31-08-2026

I would like to express my appreciation for the excellent service I received from OHAO during my renovation mortgage application. This was the second time I used OHAO’s advisory services for a mortgage application. The process was quite challenging, and it is difficult to fully describe the complexity of the application in a review. However, thanks to the expertise, dedication, and professionalism of my advisor, Bart, I was able to successfully obtain the mortgage. In fact, the outcome exceeded my expectations. I am extremely grateful for the guidance and support provided throughout the entire process. Millions of thanks to Bart and the OHAO team for the outstanding service and commitment to their customers.

mehdi khamseh

31-07-2026

I’m honestly still in the clouds right now. Bart is an absolute mortgage ninja and my personal financing hero 🙌 I had a previous mortgage process with a bank that left me with nothing but stress and uncertainty. The deadline was approaching and I was feeling hopeless and, quite literally, homeless. Then, I was put in touch with Bart and everything changed. In less than 48 hours, Bart managed to get not 1, but 2 mortgage offers approved for me, just in time for my deadline. In the space of 5 days, I went from feeling despair to having everything sorted. He is an absolute legend. I hope no one has to go through the emotional roller coaster I went through, but if you do need someone who really knows their craft, Bart is your guy. He is empathetic, friendly and freaking brilliant at what he does. Thank you Bart, for saving my home-buying process and turning one of the most stressful experiences into a happy ending. I genuinely couldn't be more grateful ❤️

Kiki Catarina Silva

24-07-2026

Very happy with the OHAO services. My advisor, Luc Zwaan, has been very helpful every step of the way and promptly answered all my questions. The final report that they sent over, outlining the details of my mortgage, was clear and summarized all the details, giving me clarity. Highly recommended!

Fotis Papadopoulos

21-06-2026

This is the second time I have used OHAO for my mortgage needs, and once again I had an excellent experience working with Luc. Luc is highly professional, knowledgeable, and genuinely cares about finding the best solution for his clients. Throughout the entire process, he provided clear and honest advice, kept me informed at every step, and was always available via email or call whenever I had questions. His responses were always quick, and he made what can be a complicated process feel straightforward and stress-free. What I appreciate most is that Luc takes the time to explain everything in detail and ensures you fully understand your options before making any decisions. His expertise, reliability, and dedication gave me confidence from start to finish. I would highly recommend Luc and the OHAO team to anyone looking for mortgage advice. Their service is professional, efficient, and customer-focused. I wouldn't hesitate to work with them again in the future.

Malik

01-06-2026

Meet our mortgage advisors

Our mortgage advisors are here to help you get a clear insight into your mortgage options when you plan to move. We help you understand your situation and decide what makes the most financial sense.

Luc Zwaan

Mortgage Advisor

Bart Kooijman

Mortgage Advisor

Toni van der Flier

Mortgage Advisor

Frequently Asked Questions (FAQ)

Do I need to be an EU Citizen to get a mortgage in the Netherlands as an expat?

No, you do not need to be an EU citizen. As long as you have a BSN (citizen service number) and a valid residence permit, you can apply for a mortgage with a wide range of providers in the Netherlands.

Do I need to have worked a minimum of six months in the Netherlands to get a mortgage?

No, not necessarily. While most mortgage providers have requirements regarding your work history in the Netherlands as an expat, we have partnerships with providers who do not. We can arrange an expat mortgage for you upon your arrival.

Are expat mortgages in the Netherlands tax-deductible?

Mortgage interest can be tax-deductible in the Netherlands if you meet certain conditions. The same general mortgage interest deduction rules apply to expats who are subject to Dutch income tax rules. For mortgages taken out on or after 1 January 2013, some of the main requirements are:

Repayment: The mortgage generally needs to be fully repaid within 30 years on an annuity or linear repayment schedule to qualify for mortgage interest deduction.
Your main residence: The mortgage must be used to buy, improve or maintain a home that qualifies as your owner-occupied home.
Maximum period: Mortgage interest can generally be deducted for a maximum of 30 years. Different rules may apply to mortgages originally taken out before 1 January 2013.

Can I purchase a home to rent out (buy-to-let) in the Netherlands?

Unfortunately, it's not possible to rent out your home with a standard mortgage. These mortgages are intended for self-occupancy only, and you need the consent of the mortgage provider to rent it out for any period of time. However, there are special buy-to-let mortgages available. These typically come with higher interest rates, and you will need to invest some of your own money.