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.
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
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.
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.