A trusted recommendation – your mortgage with OHAO

Every mortgage journey is different. During your free introductory meeting, we take the time to understand your situation, explain your options, and help you decide what makes the most sense for you.

Start-to-finish guidance with transparent fees from €2,495.

10+ years helping expats

40+ lenders compared

Independent advice

Fully in English

5.0

159 Google Reviews

Simple process

How we help you

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

Free introduction

We assess your situation and explain your mortgage options in clear, simple English

Mortgage report

We invite you to upload a few documents so we can calculate your maximum mortgage, estimated closing costs, and tax-deductible fees.

House hunting

With your personal mortgage report, you know exactly what you can borrow and can start searching for your new home with confidence.

Full guidance

From collecting documents and communicating with lenders to securing your mortgage approval, we handle the entire process for you.

Book your free introduction call

Get clarity on your mortgage options, what you can borrow, and the best next steps for your situation.

OHAO

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.

August 2026

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Independent mortgage advice for expats

We are proud of our outstanding client satisfaction — rated 9.9 on Advieskeuze and 5 stars on Google

All mortgage lenders in one place

Clear comparisons. Honest explanations. The right mortgage for you.

Online or in-office appointments

Helping clients across the Netherlands, with flexible online and face-to-face consultations.

Mortgage advice in English

We explain the Dutch mortgage system in clear, simple terms.

We specialize in expat mortgages

Experience with the 30% ruling, foreign income, and freelance or alternative income structures

Expert advice from €2,495

Complete mortgage advice for expats at a fair and transparent fee— tax-deductible.

A Trusted network for expats

We connect you with reliable real estate agents, appraisers, notaries, and tax partners — all working together for you.

It all starts with your mortgage report

Getting your personal mortgage report is easy—and completely free of charge. Book a free introduction call, upload a few documents, and we will prepare your report. During a follow-up call, your mortgage advisor will explain everything and answer your questions. No extra fees. No obligation.

Avoid falling in love with homes outside your price range. The report shows exactly what you can borrow based on your income, savings, and situation.
We compare mortgage rates, terms, and conditions from 40+ lenders to find the best option for your situation.
Make your offer stand out with a mortgage certificate confirming your borrowing capacity, giving sellers extra confidence that you can secure the mortgage.

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 851 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

Toni has helped us in every possible way to make us comfortable and well informed about the mortgage process which helped us a lot in taking big decisions. He helped us through out the journey from selecting a house till buying and getting the mortgage approved. We would highly recommend him for this purpose.

Satabdi Chatterjee

02-04-2025

Meet our mortgage advisors

Our mortgage advisors are here to help you get a clear insight into your mortgage options when you plan to move. We help you understand your situation and decide what makes the most financial sense.