Nieuw Amsterdam Huys finds your home — OHAO handles your mortgage

We work hand in hand with your Nieuw Amsterdam Huys real estate agent, ensuring your home purchase and mortgage stay aligned from the very beginning.

Transparent fees starting from €2,495 — fully tax-deductible.

10+ years helping expats

English support

Independent advice

No hidden fees

5.0

159 Google Reviews

Simple process

What's included in your free call

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 report

After your call, we ask you to upload a few documents so your advisor can prepare your personal report.

Ready? Pick a time below

Free · No obligation — pick a time and we will send you a confirmation.

Nieuw Amsterdam Huys

Introductory Call

60 min

Europe/Amsterdam

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.

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Know what you can afford before you start looking

Many expats start house hunting without knowing exactly how much they can borrow. A personal mortgage report gives you and your real estate agent a clear understanding of your budget, helping you focus on the right homes and prepare a strong, well-informed offer.

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.

Our happy clients

We focus on delivering great results — and our clients' feedback tells the rest of the story.

5.0/5 op basis van 853 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

Bart was an amazing advisor; especially, given my situation as an American expat. He made it clear on what the process would be, documentation, and even guided me through some portions to help me understand how to best approach the Dutch home buying process. Overall, I would recommend anyone to work with OHAO and Bart as he will take good care of you.

Isaac

04-06-2026

Working with Bart as our mortgage advisor was a great experience from start to finish. He took the time to understand our situation, explained everything clearly, and patiently answered all our questions along the way. Bart is knowledgeable, responsive, and genuinely looks out for his clients' best interests. He turned what could have been a stressful process into a smooth one. Highly recommended!

Pouyan

10-05-2026

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

Toni was happy to help us out quickly and was able to secure a good deal for us. He helped us out regurarly with a bunch of questions. - From a happy customer and a first time home owner.

Gedeon

13-03-2026

Our mortgage application was quite complex and Tony helped us through it very well. He gave brilliant advice that really saved our mortgage and enabled us to buy a home.

Abdullah H

26-02-2026

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 had a very pleasant experience with OHAO, especially with Bart. He is great and truly an expert in his field—always responsive, supportive, helpful, and quick to provide any required information. The mortgage approval process was fast and smooth. I highly recommend OHAO if you’re looking for a quick, professional, and trustworthy service.

Maryam

06-11-2025

Bart is very knowledgeable and very quick while helping us. He's already helped us with multiple mortgages and every time he knows exactly how to approach the process so that we get the highest chance for the bank to accept our request on the best possible terms. Highly recommended.

Alex

05-10-2025

Bart Kooijman was recommended to us and we had a great experience. He is a nice and friendly person and very easy to work with - available, proactive, friendly, and very good at explaining. He provided us with invaluable advice during the mortgage process.

EM

18-08-2025

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

Bart is such a great mortgage advisor. He is reliable, knowledgeable and explains every details to me with great patience. It is a very smooth process to get 2 mortgage applications approved!

Melanie

19-06-2025

He helped us through the whole proccess, always helping us with our doubts and questions

F.N.S

15-06-2025

Toni was always helpful and reachable. He was very patient with us, explaining every step. My husband and I were in our probation period, and he was the only person who agreed to give us the mortgage statement, which gave us peace of mind. Highly recommended!

Maryam

22-04-2025

Meet our mortgage advisors

For over 10 years, we have been helping expats successfully secure mortgages throughout the Netherlands. Whether you are buying your first home, moving to a new property, refinancing, or going through a divorce—our team is here to help you.