Rent out your property with peace of mind

If you own a property and your situation has changed — whether you are moving abroad, starting a life together with a partner, or simply exploring new opportunities — renting out your home can be the perfect solution.

Our team at OHAO can help you refinance your mortgage into an investment mortgage, and guide you through the latest rental requirements.

How to start renting out your property

If you are facing a life change and want to keep your property by renting it out instead of selling, refinancing your mortgage could open up that possibility.

  • Properties with residential mortgages cannot be rented out unless you have a valid reason and receive explicit permission from your mortgage lender. For example, permission may be granted if your employer requires you to relocate temporarily for a work assignment.

  • If you decide to relocate or move away long-term, you will need to switch your mortgage from a residential (owner-occupied) mortgage to a rental mortgage.

  • Only a limited number of mortgage lenders in the Netherlands offer buy-to-let (rental) , such as ABN AMRO, Rabobank, NIBC, Domivest, RNHB, and Woonfonds. These banks work exclusively with clients through intermediary mortgage advisors - like the OHAO team.

Switch to a rental mortgage with help from the OAHO team

If you want to know how your monthly rental mortgage payments might look, learn about current mortgage interest rates for buy-to-let properties, or understand the specific requirements for rental properties, we are here to help. Schedule a free, no-obligation consultation with our expert mortgage specialists.

During the consultation, we will analyze your current mortgage situation, provide clear projections of your mortgage payments after refinancing, explain fees, and give insight into how owning a rental property will impact your taxes (Box 1 or Box 3).

Do you have questions about the Dutch rental point system or the Purchase Protection Act? Schedule a no-obligation call with us.

  • Competitive advisory fees from €2,795
  • Rental mortgage experts
  • Clear, fast, and personal guidance

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Book a free consultation with our team

Do you need help with a rental 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.