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
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.
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.