Access 40+ mortgage lenders in the Netherland

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.

How many mortgage lenders does OHAO work with?

We work with and actively compare the latest interest rates from over 40 mortgage lenders across the Netherlands. That is not just a number — it is real choice and real flexibility for you.

Thanks to our wide network of partners — from major banks and pension funds to insurers and niche lenders — we can find mortgage products and conditions that truly fit your situation, not just the standard offers from your current bank.

What sets us apart is our ability to negotiate and compare across the market, something many brokers simply cannot do. While others may offer a limited selection, we bring you a full market view, so you get the most competitive deal available — no matter if you are started, moving homes or looking to refinance.

Why should you compare multiple mortgage lenders?

Many people believe that you can only get a mortgage through your own bank — but that is a common misconception, especially if you are used to how things work in your home country. In the Netherlands, the mortgage market is very different.

Your bank can offer just one product — typically a single interest rate — while we compare multiple lenders, rates, and conditions to find the best deal for you.

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:

  • More choices: your bank only can offer you its own mortgage products. We compare over 40+ mortgage lenders to find the most competitive interest rates and the most favorable conditions for your situation.

  • Save time: we take care of the paperwork, speak directly with lenders, and help you avoid mistakes. If your application is declined, we act quickly to find the next best solution — so you do not lose time or opportunities.

  • Competitive rates from €2,494
  • Expat mortgage brokers

Reviews from our happy clients

Every day, we strive for 5-star service, as this is the minimum for us. That’s why we are so proud of the feedback we receive from our customers:

Meet our team

Our mortgage advisors are here to help you get a clear insight into your mortgage options when you plan to move. We help you understand your situation and decide what makes the most financial sense.