Investing in Dutch property: what are your mortgage options?
Owning a rental property can be exciting, but securing an investment mortgage in the Netherlands involves more than just financing. There are stricter requirements — not only for you as the future property investor, but also for the property ans tenants.
That’s where we come in — to help make things easier.
What are the requirements for an investment mortgage?
Most lenders finance only 70% to 80% loan to value, meaning you need to cover 20% to 30% of the total cost from your own funds.
You must pay a 10.4% transfer tax on rental properties, plus additional costs such as notary fees, appraisal reports, real estate agent fees, mortgage brokerage, and advisory services.
Under the Property Protection Act, many Dutch municipalities restrict investments in the real estate. For example, Amsterdam’s threshold is €623,000, while Rotterdam’s is €650,000 — properties valued below these limits may not get rental approval.
Your property must meet the requirements of the new rental points system, which aims to regulate the rental market and provide more opportunities for first-time buyers. Properties scoring 143 points or fewer are classified as social housing, while those scoring up to 186 points have a rent cap of €1,157.95 per month. Only properties scoring above 186 points qualify as free-market rentals, directly impacting your potential rental income and mortgage approval.
Investment mortgages have higher interest rates due to increased risk for lenders.
You are not eligible for mortgage interest tax deductions on investment properties, which are taxed under Box 3 as part of your wealth.
Most lenders require that you live and work in the Netherlands, have sufficient income and savings, and meet affordability criteria based on your financial situation.
Make the right investment mortgage decision with OHAO
If you are considering an investment mortgage or want to explore your options, you are in the right place. The OHAO mortgage team specialises in making investment mortgages simple, clear, and perfectly tailored to your needs.
Here is how we help you:
We start with a free, no-obligation call where we want to get to know you and your investment goals. This call is all about you — we answer your questions and check if an investment mortgage is the right product for you.
Do you want to know how to finance an investment property? Are you curious about the requirements and whether it will bring a good return?
- Competitive advisory fees from €2,995
- Expat mortage experts
- Clear, fast, and personal guidance
Our happy clients
We focus on delivering great results — and our clients’ feedback tells the rest of the story.