Explore mortgage refinancing options in the Netherlands

Whether you plan to rent out your home, release equity, or secure better terms, refinancing can make a big difference

At OHAO, we make mortgage refinancing simple. No hidden fees. No bank bias. Just clear advice that saves you money.

When (and why) shoud you refinance your mortgage?

There are several reasons why you should refinance your mortgage. In some cases, it can help you save on your monthly payments, while in others, it allows you to secure better mortgage conditions or terms.

Refinance your mortgage:

If interest rates have gone down since you got your mortgage, refinancing could help you lock in a lower rate and cut your monthly payments.
If you want to shorten your loan term and pay off your home faster.
If your living situation has changed — let’s say you want to move in with your partner or relocate — you can refinance your residential mortgage to a rental mortgage.
If you want to switch from a variable to a fixed interest rate (or vice versa).
If you want to access your home’s equity — for example, to fund renovations, buy a second property, or cover expenses such as a car or a holiday home — refinancing could be a smart solution.
In the event of a separation or divorce, you may need to refinance your mortgage so that one partner can take over the loan if you decide not to sell the property.

Smarter mortgage refinancing starts with OHAO

If you are wondering whether refinancing your current mortgage could save you money or improve your financial situation, you are in the right place. The OHAO mortgage team specialises in making refinancing simple, clear, and perfectly tailored to your needs.

Here is how we help you:

We start with a free, no-obligation call where we get to know your finances and understand why you are considering refinancing. This call is all about you—your goals, your questions, and your best options.

You can expect a detailed analysis of your current mortgage, a calculation of any early repayment penalties if applicable, a personalized new mortgage offer, and full guidance through every step, depending on your refinancing reason. Do you have any questions? Contact us today.

Competitive advice fees from €2,795
Expat mortgage brokers
Clear, fast, and personal guidance

How much does refinancing cost in the Netherlands?

The cost of refinancing depends on your reason for doing so. Contact our team — we will calculate whether refinancing makes financial sense for you.

What is your reason for refinancing? Are you seeking a lower interest rate or a different mortgage product, such as a rental mortgage?

If your current mortgage lender can offer you a lower interest rate or alternative mortgage products—such as a rental mortgage—that’s ideal, as it may allow you to save on closing costs.

However, not all lenders work with investments mortgages. In such cases, you will need to switch to a new lender, and a mortgage advisor can help you find the best deal.

If you are refinancing with a new lender, you should be prepared to pay for:

Early repayment penalties (if applicable)
Mortgage advisor fees
Property valuation costs
Notary fees

Note: Some of these costs are tax-deductible in the Netherlands.

Reviews from our happy clients

We focus on delivering great results — and our clients’ feedback tells the rest of the story.

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

Do you need help refinancing your mortgage? Our expert team, trusted by expats for over 10 years, delivers 5-star service, transparent advice, and competitive fees to make refinancing simple and affordable.

Robin Uijtdehaage

Mortgage Advisor

Bart Kooijman

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Toni van der Flier

Mortgage Advisor