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.

5/5 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 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.

Bart Kooijman

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Toni van der Flier

Mortgage Advisor

Robin Uijtdehaage

Mortgage Advisor