Mortgage lenders in the Netherlands — 40+ options
Whether you are an expat settling into life in the Netherlands or a local who has come across our services, we are here to help you navigate your mortgage options with clarity and confidence.
We match you with the mortgage lender that best fits your budget, timeline, and long-term homeownership goals — and that does not have to be your current bank.
Compare current mortgage interest rates by lender
Do you see a rate you would like to lock in today? Simply schedule a call with our mortgage advisors for a personal consultation, and we will secure it for you.
Please fill in all the fields to calculate the best interest rates for your persional situation
We work with and actively compare the latest interest rates from over 40 mortgage lenders across the Netherlands — including major banks like ING, Rabobank, and ABN AMRO, as well as pension funds, insurers, and specialist lenders like Florius and Nationale-Nederlanden.
In the Netherlands, every lender sets their own interest rate and conditions independently. That means the rate your bank offers you is just one option out of dozens — and rarely the most competitive one. The difference between the highest and lowest rate in the market can easily amount to tens of thousands of euros over the life of your mortgage.
As an independent advisory firm, OHAO has no commercial tie to any lender. We compare the full market and recommend what is genuinely best for your situation — whether you are buying your first home, moving, or refinancing. Do you want to know how much you can borrow first? Use our mortgage calculator Netherlands to get an estimate in under a minute. Are you not sure if you should work with a mortgage broker? Read our guide on why you need a mortgage broker Netherlands. We also can help you to undertand and give an insight on the mortgage interest rates in 2026.
Do I need a mortgage advisor?
Yes, you do — and here is why. Buying a home can feel overwhelming, especially if you are an expat, self-employed, or dealing with a more complex situation. A mortgage advisor can make the entire process easier, faster, and much less stressful. Here is how we can help:
Access to 40+ lenders: your bank offers one rate. We compare the full market — including lenders you cannot approach directly — and find the most competitive deal for your situation.
We handle the paperwork: from gathering your documents to communicating with lenders and the notary. You focus on finding your home, we handle the mortgage.
Expat specialists: we understand foreign income, the 30% ruling, freelancing contracts, BV companies and the specific challenges expats face when applying for a Dutch mortgage.
Fixed fee starting from €2,495: no hidden costs, no commission from lenders.
- Competitive rates from €2,495
- Expat mortgage brokers
- Clear, fast, and personal guidance
Step 1 — Free intro call (60 min)
We take the time to understand your situation — your income, savings, timeline, and goals. For the first meeting, having your most recent payslip is enough. We can already give you a clear overview of your mortgage options.Step 2 — Personalised rate report
You get access to our online portal, where you can view your personalised mortgage report. We compare your profile with 40+ lenders and provide a clear overview of the best rates and conditions available — including our recommendation and explanation.Step 3 — Mortgage application
Once you have found your home and are ready to move forward, we prepare your mortgage case and submit your full application. We handle all communication with the lender, so you don’t have to.Step 4 — Signing and completion
We guide you through the final steps — notary appointment, and key handover. Most clients complete their mortgage within 4–6 weeks.
Frequently asked questions
Which mortgage lenders does OHAO work with?
We work with over 40 Dutch mortgage lenders including ING, Rabobank, ABN AMRO, Nationale-Nederlanden, Florius, ASN Bank, Lloyds Bank, BLG Wonen, Aegon, and Centraal Beheer. Because we are independent, we compare all of them and recommend the one that fits your situation best — not the one with the highest margin for us.
Is OHAO independent from the banks?
Yes. OHAO is a fully independent mortgage advisor. We have no commercial relationship with any lender and receive no commission from banks. Our fee comes directly from you, which means our advice is always in your interest.
How much does it cost to use OHAO?
Our mortgage advisory fee starts from €2,495 ( tax-deductible). For expats and international clients, our pricing is among the most competitive in the market, and we never charge extra for providing our services in English. You can find a full breakdown on our pricing page.
Can expats get a mortgage through OHAO?
Yes — expats are our core speciality. We have over 10 years of experience helping internationals buy homes in the Netherlands, including clients with foreign income, 30% ruling, temporary contracts, and non-EU backgrounds.
How long does a mortgage application take in the Netherlands?
Most mortgage applications through OHAO are completed within 4–6 weeks from the moment your offer on a home is accepted. However, if your income structure is more complex, the process may take slightly longer. The timeline ultimately depends on your situation, how quickly documents are provided, and the lender’s processing time. We ensure the process keeps moving at every step.
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