Additional borrowing options: what’s possible?

Thinking about a renovation, improving energy effiency, maybe a new car or another big expense.

If you don’t have enough savings, or you want to keep your savings seperately then increasing your mortgage is an option.

Do you want to learn more and check if you are eligible? Schedule a free, no-obligation call with one of our expert mortgage advisors.

What do you need to know about borrowing extra in the Netherlands?

Borrowing extra on your mortgage can help fund major expenses such as home renovations, buying a second property, or even purchasing a car.
Home improvements — like a new kitchen, bathroom, insulation, or an extension — not only improve your comfort and lifestyle but can also increase your property’s long-term market value.
Some homeowners borrow extra on their mortgage by using the equity in their home — the difference between the property's current market value and the remaining mortgage. This allows them to fund the purchase of a second home or investment property, helping them grow their assets or earn rental income.

Keep in mind: borrowing extra on your mortgage increases your overall debt. It’s important to ensure your financial situation is stable and that you can comfortably afford the higher monthly payments.

Borrow extra on your mortgage — with help from the OAHO team

At OAHO, our mortgage advisors carefully assess your financial information and calculate the exact amount you can borrow. We discuss how this increase affects your monthly payments, explain any fees you must pay to increase your mortgage, and clarify the potential impact on your taxes.

Has your financial situation changed, and now you want to borrow extra on your mortgage? Schedule a no-obligation call with our mortgage advisors.

Competitive advisory fees from €2,495
Expat mortage experts
Clear, fast, and personal guidance

What are the requirements for a mortgage increase in the Netherlands?

Mortgage lenders will check your income to determine if you can afford the increased monthly payments.
You can only increase your mortgage if you have positive equity, which can come from property appreciation or mortgage repayments.
If you have a negative BKR registration, this can block your ability to increase your mortgage. Lenders assess all outstanding debts alongside your income.
A valuation report is required to verify your home’s current value. If you plan to renovate, the appraiser will estimate your home’s value after improvements, which may increase the amount you can borrow.
For a private mortgage increase, your mortgage must be registered with the Kadaster for the higher amount. If this isn’t the case, you may need to consider a second mortgage (tweede hypotheek) to borrow extra.

Our happy clients

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

5/5 based on 194 reviews

We had a great experience throughout our mortgage process. Toni was very helpful and professional during the initial intake, while Luc provided excellent guidance and support throughout the rest of the process. Both were friendly, knowledgeable, and responsive, making everything clear, easy, and smooth. Thank you both for your excellent service! Highly recommended!

Oussama Beltaif

08-11-2026

Bart was the first financial advisor we contacted on a friend’s recommendation, and right after our initial orientation, we knew we didn't need to look any further. Now that we have successfully purchased our first home, we can’t thank Bart enough for the huge role he played in making it happen. As first-time buyers, the process can feel overwhelming, but Bart was a true professional from start to finish. He explained every single step with great clarity, evaluated our documents promptly, and patiently answered our endless stream of questions. His proactive support during the bidding phase also made a massive difference. Bottom line, he possess excellent knowledge about his work. A sincere thank you to Bart, we couldn't have asked for a better advisor and wholeheartedly recommend him to anyone looking to buy a home!

Neel Kamal Bharadwaj

07-11-2026

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

Book a free consultation with our team

Looking to increase your mortgage? Our expert team, trusted by expats for over 10 years, provides 5-star service, clear advice, and competitive fees to make your mortgage experience simple and affordable.

Robin Uijtdehaage

Mortgage Advisor

Bart Kooijman

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Toni van der Flier

Mortgage Advisor