Independent mortgage advice for expats in the Netherlands

For many expats, obtaining a mortgage often means going directly to a familiar bank—either one from their home country or a well-established bank in the Netherlands—because this is how it works in many places where banks are the sole mortgage providers. However, the Dutch mortgage market is more diverse, with mortgages also offered by pension funds, credit unions, and other financial institutions beyond traditional banks. This broader range means your options aren’t limited to just a few banks but include many lenders with varying products, rates, and conditions.

Many lenders have unique criteria, and some offers are only accessible through independent brokers. Independent mortgage advisors (hypotheekadviseurs) are not tied to any single lender; they compare offers from 20 to 40+ lenders, help you navigate the complex Dutch mortgage rules and eligibility requirements, guide you to the best mortgage for your income and residency status, and save you time by managing paperwork and negotiations on your behalf.

Yes, you can secure a mortgage without an advisor by applying directly with a bank. However, many people find that working with an independent mortgage advisor gives them access to a wider range of mortgage options and interest rates. Our mortgage advisor team at OHAO represents you and your interests—we don’t get paid by any bank. Feel free to contact our mortgage advisors for more information.

We stand out from our competitors by charging the same transparent fee for mortgage advisory services to both Dutch clients and expats. Our advisory fees are also tax-deductible, which is a valuable advantage when buying a property in the Netherlands. While banks also charge fees when you apply for a mortgage directly, are you certain you’re getting the best interest rate or the most favorable terms? Contact our mortgage team to compare multiple offers and find the mortgage that truly fits your needs.