Mortgage advice for Indian expats — clear & independent
Buying in the Netherlands starts with knowing your options. We compare 40+ lenders and support Indian Center in the Netherlands members from the first conversation through to mortgage approval.
Simple process
What you can expect from OHAO
Your max mortgage
We calculate exactly how much you can borrow, tailored to your income and situation.
40+ lenders compared
We compare mortgage rates and conditions from 40+ Dutch lenders, helping you find the best option for your situation — all in one place.
Process explained
We guide you through every step of the Dutch mortgage process in plain English — no matter your situation.
Your personal summary report
After your call, we send you a written overview of everything discussed — saved in your secure OHAO account and yours to keep.
Not sure if you can get a Dutch mortgage? Let's find out
Book your free, no-obligation mortgage consultation. Our mortgage advisors will explain your options, answer your questions and give you an initial indication of what you may be able to borrow.
ICIN members: remember to book through this page to receive your exclusive discount.
Indian Community Netherlands
Introductory Call
In this free consultation, our mortgage advisors take the time to:
- Explain the mortgage process.
- Answer all your questions.
- Calculate your maximum mortgage, fully tailored to your situation.
- Provide insight into the expected monthly and total costs.
After this free consultation, you will receive a summary report. The advisor remains available free of charge for additional questions.
Know what you can afford before you start looking
Many expats start house hunting without knowing how much they can actually borrow. Online mortgage calculators can only give you a rough estimate and may not take your full financial situation into account — for example, the 30% ruling, bonuses, variable income or other personal circumstances. A personal mortgage report gives you a much more accurate picture of your borrowing capacity and available budget, so you can focus on homes within your price range and make offers with confidence.
Initial call – book a free, no-obligation call. We discuss your personal situation, explain how your maximum mortgage is calculated, and answer any questions you may have.
Upload your documents – we only ask for the documents needed to calculate your mortgage, such as your payslip, employment contract, and ID. You can securely upload them through our online portal when you are ready. You get access after your first call with our mortgage advisor.
Your mortgage report – receive a clear overview of your maximum mortgage, estimated monthly payments, buyer’s costs, and potentially tax-deductible fees, so you know what is possible before you start looking for a home.
Go house hunting – browse properties, make offers, and negotiate with confidence. Your mortgage report gives you a clear budget and shows sellers that you're a well-prepared buyer.
All of this is completely free of charge, so you can take the time to understand your options, ask questions, and feel comfortable before deciding on your next step.
One question almost every expat asks is: ‘Should I rent or buy?
If you are planning to stay in the Netherlands for several years, buying may make more financial sense. For a shorter stay, renting can offer more flexibility.
However, the choice is not only about how long you plan to stay. The housing market has also changed significantly in recent years, with rental prices continuing to rise. Because of this, more expats are comparing the cost of renting with the monthly cost of owning a home—and discovering that buying may be a realistic option.
Both renting and buying have their advantages. The most important thing is to understand which option best matches your income, finances, lifestyle, and long-term plans.
We take time to explain the financial benefits available in the Dutch system, which many expats are not initially aware of. Depending on your situation, these may include a transfer tax exemption for eligible buyers, mortgage interest tax relief, and certain mortgage-related costs that may be tax-deductible.
Why Indian expats choose OHAO
Self-employed (BV or ZZP), 30% ruling, foreign or variable income.
First-time buyers, moving homes, refinancing, mortgage increases, renovations, or rental mortgages.
Independent access to 40+ lenders.
Preparation to place a bid, financial clauses, bouwdepot guidance, and other unique situations.
Comparison of multiple mortgage lenders and conditions tailored to your situation.
What expats say about working with us
We focus on delivering great results — and our clients' feedback tells the rest of the story.