Independent mortgage advisor in the Netherlands for expats

Based in Amsterdam and advising expats across the Netherlands. We compare 40+ Dutch mortgage lenders, including lenders you cannot reach on your own, so you get the mortgage that fits your income and residence status, not just the offer from your own bank. Advice in English, with a fixed fee paid only when your mortgage is finalised.

How does independent mortgage advice work?

For many expats, applying for a mortgage often starts with a familiar bank—either from their home country or a well-known Dutch bank—since in many countries banks are the only mortgage providers. In the Netherlands, however, the market is more diverse. Mortgages are also offered by pension funds, credit unions, and other financial institutions. This wider choice means you’re not limited to just a few banks but can explore many lenders with different 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.

Can I secure a mortgage without an advisor?

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.

Choosing an advisor? Read the questions to ask a mortgage advisor before your first call.

Looking for a financial advisor to help you buy a home? Read financial advisor for expats in the Netherlands.

Mortgage advice: what are the costs?

We set ourselves apart by offering the same transparent fee for mortgage advice to both Dutch clients and Expats — no hidden costs, no special treatment.

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 are 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.

How we work

1 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.

2Compare mortgage lenders

3Bidding certificate

4Mortgage application

Free orientation call

Our happy clients

We are proud that so many clients appreciate the care, clarity, and high standards we bring to every mortgage journey.

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

Our expert team, trusted by expats for over 10 years, delivers 5-star service, transparent advice, and competitive fees to make your home-buying journey simple and affordable.

Luc Zwaan

Mortgage Advisor

Robin Uijtdehaage

Mortgage Advisor

Bart Kooijman

Mortgage Advisor

Toni van der Flier

Mortgage Advisor