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.
Luc is known for his honest, detailed and practical approach. He takes the time to understand each client’s situation, explain their options clearly, and make sure they understand how the Dutch mortgage process works. Clients particularly value his quick responses, clear communication and ability to make a complicated process feel straightforward, giving them confidence from start to finish.
Certificates & specialties
Buying your first home, moving to your next one, and borrowing more against the one you have are three very different conversations. Bart advises on all three, and helps clients work out not just what's possible on paper but what makes sense for where they are right now.
Luc holds the following certificates:
Wft Basis
Wft Hypothecair Krediet
Wft Vermogen
SEH Certified Financial Advisor
Permanent Education (PE) Certified
Luc specialises in:
First-time buyers
Mortgages following a divorce
Refinancing an existing mortgage – for example, changing lenders, adjusting the mortgage, or borrowing additional funds.
Mortgage situations Luc often handles
From first-time buyers taking their first step onto the Dutch housing market, to clients navigating a mortgage after divorce, to homeowners looking to refinance their existing mortgage — Luc advises across a wide range of situations.
First-time buyer guidance
Mortgage and divorce
Mortgage refinancing
Case study
Daniel had owned his apartment in Leiden for several years. His fixed-rate period was coming to an end, and his current lender had sent him a new interest-rate offer.
Rather than accepting it immediately, Daniel wanted to know whether moving his mortgage to another lender could give him better terms. He contacted Luc to understand his options and whether switching would actually be worthwhile once all the costs were taken into account.
1. Reviewed Daniel’s existing mortgage
Because Daniel had worked with Luc before, Luc was already familiar with his mortgage history. He reviewed the remaining mortgage balance, current property value and the new interest rate offered by Daniel’s existing lender.
2. Compared staying with switching lenders
Luc compared the offer from Daniel’s current lender with mortgage options from other lenders to see whether refinancing could provide better terms.
3. Calculated the real cost of refinancing
A lower interest rate does not automatically mean a better deal. Luc included the costs involved in switching lenders so Daniel could see the real financial difference between staying and refinancing.
4. Explained the options clearly
Luc showed Daniel how the different options would affect his monthly payments and overall mortgage costs, giving him a clear comparison before making a decision.
5. Arranged the switch to the new lender
After reviewing the options, Daniel decided to refinance with another lender. Luc arranged the new mortgage application and guided him through the process from the application through to completion.
What clients say about Luc
Real reviews from people he has helped find the right mortgage.
Blog articles written by Luc
Practical articles and guides to help expats understand how mortgages work in the Netherlands and make sense of their options.