Are you an expat looking to buy a house in the Netherlands?

Buying a home can be exciting and confusing. When you get the idea to buy, it’s hard to know where to begin because there is so much information. Here, we simplify the process and explain what you can expect from our team:

• First, check if you qualify for a mortgage in the Netherlands. Our mortgage advisors can answer you right away if you are eligible to get a Dutch mortgage. We ask you a few questions about your passport, BSN number, and residence permit (if applicable).

• To get a clear overview, we ask for your latest payslip and information about your income, holiday pay, bonuses, and savings. We then calculate your maximum mortgage, closing costs, and tax-deductible fees. You also get access to our online mortgage system—developed by OHAO founder —where you can review your report at your own pace.

• Now, start exploring the Dutch housing market by getting familiar with how Funda works and checking what types of properties you like. Ask yourself: do you want to live in the city or in the suburbs? Do you prefer an apartment or a house? It also helps to make a list of your must-haves and nice-to-haves to guide your search.

Once your bid on a property is accepted, the mortgage application process begins. Our mortgage advisors ask you to collect documents to start a mortgage application:

• Valid residence permit and BSN

• Proof of income (pay slips, employment contract, or for self-employed, tax returns and financial statements)

• Bank statements

• Identification (passport or ID card)

• Purchase agreement for the property

• Proof of savings or deposit funds

Preparing these documents in advance speeds up the process, reduces delays, and saves you time and stress.

• OHAO mortgage advisors work closely with you to prepare and submit your mortgage application to lenders. With access to over 40 mortgage lenders, we always find the best option that fits your current situation and future plans. For example, if you plan to leave the Netherlands and want to refinance your mortgage into a rental mortgage, we take all these details into consideration.

• Your mortgage advisor guides you through every step — reviewing your documents, completing the application forms, and communicating with the bank on your behalf.

• The bank reviews your application, assesses your financial status, and usually orders a property valuation to confirm the home's value. This process typically takes 5 to 10 business days. If everything is in order, you receive a mortgage offer (hypotheekofferte).

• Once your mortgage is approved, we carefully review the terms, interest rates, repayment schedule, and conditions together. When you agree, you sign the offer to accept it.

• Our mortgage advisor coordinates with the notary (notaris) to prepare the deed of transfer and mortgage deed.

• On transfer day, the notary registers the property in your name and the mortgage with the land registry. The bank releases the mortgage funds to complete the purchase, and you officially become the homeowner.