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
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.
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.
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.
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.