Luc Zwaan

Luc Zwaan has been a mortgage advisor at OHAO for almost 9 years, helping Dutch and international clients find the right mortgage for their situation. As one of OHAO’s longest-standing advisors, he has guided clients through everything from first-home purchases to refinancing and more complex mortgage applications.

Clients at OHAO describe Luc as honest, thorough and practical. They appreciate the time he takes to understand their situation, explain their options clearly and guide them through the Dutch mortgage process. His quick responses and clear communication help make a complicated process feel straightforward, giving clients confidence from start to finish.

13+ years in financial services

Dutch and English

1,600+ mortgages arranged

5.0

159 Google Reviews

Certificates & specialties

Luc holds the following certificates:

Wft Basis
Wft Vermogen
Wft Hypothecair Krediet

Luc specialises in helping first-time buyers, clients moving to a new home or buying a second home, and those arranging a mortgage following a divorce. He also helps homeowners refinance their existing mortgage, switch lenders or explore options for additional borrowing, providing clear advice tailored to their situation.

What clients say about Luc

Real reviews from people he has helped find the right mortgage.

5.0/5 op basis van 854 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

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

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 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

Blog articles written by Luc

Practical articles and guides to help expats understand how mortgages work in the Netherlands, explore their options, and make confident decisions about buying a home.

Buying a property in Amsterdam ( erfpacht, VvE and overbidding)

30% ruling and your Dutch mortgage: what expats need to know

Mortgage application approval in the Netherlands: what to expect

Meet the OHAO team

✓ 10+ years’ experience working with expats ✓ Independent advisors with access to 40+ lenders ✓ Guidance in English from start to finish.