Expat mortgage advisors in the Utrecht Area

We partner with the Utrecht Expat Center to give expats simple, English-spoken guidance on Dutch mortgages.

If you are new to Utrech and you thinking of buying a home, book a free, no-obligation call with our advisors — it’s the easiest way to get clear, expert advice.

Book a free appointment with the OHAO team and get clarity on your mortgage options

Utrecht Expat Center

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.

November 2026

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Select a date

Simple process

How we help you

OHAO mortgage advisors navigate the entire mortgage journey on your behalf.

Guidance

We assess your situation and explain your options in clear, straightforward English.

Compare rates

Why settle for one bank when you can access 40+ Dutch mortgage lenders through us?

Documents

From collecting documents to communicating with lenders, we handle the entire process for you.

Get approved

From submission to mortgage approval, we get it done right.

Independent mortgage advice & support for expats

If you are buying a home in the Netherlands, you might quickly notice that things work differently here than in your home country. With more than 40 mortgage lenders — far more than in most other countries — it can feel like too many choices. That’s where OHAO’s mortgage brokerage and advice come in.

We work with top Dutch banks and more, including Rabobank, ING, ABN AMRO, Lloyds, Obvion, and others. This allows us to compare multiple options and help you secure the best rate, lower monthly payments, and the right conditions.

We also do more than arrange your mortgage. The OHAO team can connect you with a trusted real estate agent (makelaar), who is essential in today’s competitive housing market. A good agent helps you find the right home and negotiates on your behalf.

Throughout the entire process, we guide you step by step. We explain how Dutch mortgages and the homebuying journey work, answer your questions, and ensure you feel confident at every stage.

As a first-time buyer, you are fully supported — from the first call until the moment you hold the keys to your new home.

English-speaking expat mortgage advice
Competitive advisory fee: €2,495 (tax-deductible)
Clear, fast, and personal guidance

Our happy clients

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

5/5 based on 194 reviews

We had a great experience throughout our mortgage process. Toni was very helpful and professional during the initial intake, while Luc provided excellent guidance and support throughout the rest of the process. Both were friendly, knowledgeable, and responsive, making everything clear, easy, and smooth. Thank you both for your excellent service! Highly recommended!

Oussama Beltaif

08-11-2026

Bart was the first financial advisor we contacted on a friend’s recommendation, and right after our initial orientation, we knew we didn't need to look any further. Now that we have successfully purchased our first home, we can’t thank Bart enough for the huge role he played in making it happen. As first-time buyers, the process can feel overwhelming, but Bart was a true professional from start to finish. He explained every single step with great clarity, evaluated our documents promptly, and patiently answered our endless stream of questions. His proactive support during the bidding phase also made a massive difference. Bottom line, he possess excellent knowledge about his work. A sincere thank you to Bart, we couldn't have asked for a better advisor and wholeheartedly recommend him to anyone looking to buy a home!

Neel Kamal Bharadwaj

07-11-2026

Excellent service from start to finish. Friendly, responsive, and always willing to help. All required paperwork was handled on time, and any questions were answered quickly by email. I particularly appreciated the extra effort in checking and assisting with documents beyond the agreed scope. His support made the whole mortgage process clear and stress-free. Highly recommended!

Leyli Alakbarli

26-09-2026

A fantastic service from Toni and the whole team at OHAO. I would strongly recommend them. As first-time buyers, we had a lot of questions and a slightly complex mortgage application, but Toni guided us through the process brilliantly. Everything was communicated clearly and in a timely manner, and he was always quick to respond and happy to explain things. We were recommended OHAO by a colleague who had a great experience with them, and we’re very happy we followed their recommendation. Excellent service from start to finish!

Hasara Dinushika

07-09-2026

Very satisfied with my experience with OHAO. From the very first conversation with Toni van der Flier, everything was explained clearly, and I felt well guided throughout the entire mortgage process. Communication was pleasant and straightforward, questions were answered quickly, and I always knew where things stood. During Toni’s absence, Bart Kooijman took over my case, and that transition also went very smoothly. I’m very happy with the support I received from both Toni and Bart, and I would definitely recommend OHAO to colleagues, friends, and family.

remi autar

31-08-2026

I would like to express my appreciation for the excellent service I received from OHAO during my renovation mortgage application. This was the second time I used OHAO’s advisory services for a mortgage application. The process was quite challenging, and it is difficult to fully describe the complexity of the application in a review. However, thanks to the expertise, dedication, and professionalism of my advisor, Bart, I was able to successfully obtain the mortgage. In fact, the outcome exceeded my expectations. I am extremely grateful for the guidance and support provided throughout the entire process. Millions of thanks to Bart and the OHAO team for the outstanding service and commitment to their customers.

mehdi khamseh

31-07-2026

This is the second time I have used OHAO for my mortgage needs, and once again I had an excellent experience working with Luc. Luc is highly professional, knowledgeable, and genuinely cares about finding the best solution for his clients. Throughout the entire process, he provided clear and honest advice, kept me informed at every step, and was always available via email or call whenever I had questions. His responses were always quick, and he made what can be a complicated process feel straightforward and stress-free. What I appreciate most is that Luc takes the time to explain everything in detail and ensures you fully understand your options before making any decisions. His expertise, reliability, and dedication gave me confidence from start to finish. I would highly recommend Luc and the OHAO team to anyone looking for mortgage advice. Their service is professional, efficient, and customer-focused. I wouldn't hesitate to work with them again in the future.

Malik

01-06-2026

Meet our team

Meet our expert mortgage advisor team — trusted by expats for over 10 years and rated 9.9 for satisfaction. We provide 5-star service, transparent advice, and competitive fees to make your home-buying journey simple and affordable.

Toni van der Flier

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Robin Uijtdehaage

Mortgage Advisor

Bart Kooijman

Mortgage Advisor