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.

5.0/5 op basis van 851 reviews

Luc has been amazing at helping us navigate all the procedures regarding our mortgage. He is quick to respond and is always available over call. We had a great experience with him.

Balaaj

22-06-2026

Bart was an amazing advisor; especially, given my situation as an American expat. He made it clear on what the process would be, documentation, and even guided me through some portions to help me understand how to best approach the Dutch home buying process. Overall, I would recommend anyone to work with OHAO and Bart as he will take good care of you.

Isaac

04-06-2026

Working with Bart as our mortgage advisor was a great experience from start to finish. He took the time to understand our situation, explained everything clearly, and patiently answered all our questions along the way. Bart is knowledgeable, responsive, and genuinely looks out for his clients' best interests. He turned what could have been a stressful process into a smooth one. Highly recommended!

Pouyan

10-05-2026

Luc Zwaan at OHAO provided top-tier service for our home purchase. He is knowledgeable, proactive, and very clear in his explanations of Dutch mortgage rules and tax benefits. Our mortgage was approved quickly and without any issues. If you want a mortgage advisor who is reliable and stays on top of every detail, Luc is the person to go to. 5 stars!

Mayur

26-03-2026

Toni was happy to help us out quickly and was able to secure a good deal for us. He helped us out regurarly with a bunch of questions. - From a happy customer and a first time home owner.

Gedeon

13-03-2026

Our mortgage application was quite complex and Tony helped us through it very well. He gave brilliant advice that really saved our mortgage and enabled us to buy a home.

Abdullah H

26-02-2026

Luc's advising is very professional, detailed, honest and tailored to what is the best for me. He covered all aspects that needs to be considered and explained everything thoroughly. He is also always very fast in responding and managed to get my mortgage approved within 3 working days. Definitely would highly recommend his services if you are looking for a reliable mortgage advisor.

Yinuo

18-02-2026

I had the pleasure of working with Luc to find a new mortgage, and refinance my existing one. His expertise made the process smooth and clear, answering all my questions promptly and securing a great rate. I highly recommend him for anyone navigating Dutch mortgages!

O.B

07-01-2026

I had a very pleasant experience with OHAO, especially with Bart. He is great and truly an expert in his field—always responsive, supportive, helpful, and quick to provide any required information. The mortgage approval process was fast and smooth. I highly recommend OHAO if you’re looking for a quick, professional, and trustworthy service.

Maryam

06-11-2025

Bart is very knowledgeable and very quick while helping us. He's already helped us with multiple mortgages and every time he knows exactly how to approach the process so that we get the highest chance for the bank to accept our request on the best possible terms. Highly recommended.

Alex

05-10-2025

Bart Kooijman was recommended to us and we had a great experience. He is a nice and friendly person and very easy to work with - available, proactive, friendly, and very good at explaining. He provided us with invaluable advice during the mortgage process.

EM

18-08-2025

I have really appreciate Luc service! Gentle, accurate, fast, responsive, immediate, and tailor driven - that's all makes my experience with Luc just amazing. We have found a good mortgage provider very fast, I think, we have spent only 2-3 weeks for the whole process from A to Z. Really recommend this company and Luc as an adviser!

Aleksandr

28-07-2025

Luc was very informative, he made sure to explain everything I needed to know as a first time buyer. He made sure to be available for all my questions and inquiries. The process went very smoothly, and approval was quite quick.

Reem

23-06-2025

Bart is such a great mortgage advisor. He is reliable, knowledgeable and explains every details to me with great patience. It is a very smooth process to get 2 mortgage applications approved!

Melanie

19-06-2025

He helped us through the whole proccess, always helping us with our doubts and questions

F.N.S

15-06-2025

Toni was always helpful and reachable. He was very patient with us, explaining every step. My husband and I were in our probation period, and he was the only person who agreed to give us the mortgage statement, which gave us peace of mind. Highly recommended!

Maryam

22-04-2025

Toni has helped us in every possible way to make us comfortable and well informed about the mortgage process which helped us a lot in taking big decisions. He helped us through out the journey from selecting a house till buying and getting the mortgage approved. We would highly recommend him for this purpose.

Satabdi Chatterjee

02-04-2025

Book a free consultation with our team

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