A guide to your maximum loan
Please note that the online Mortgage Calculator provides you with an estimation only. The amount given is subject to change based on a discussion on your personal situation.
Yes, you can apply for a mortgage in the Netherlands if you meet the following basic requirements:
If you meet all four criteria, you’re eligible to apply for a mortgage.
Keep in mind that the amount you can borrow depends on factors such as your income, employment situation, and the value of the property you wish to purchase.
Yes, you can buy a property in the Netherlands even if you don’t live here. However, if you require a mortgage to finance the purchase, you must meet the four basic eligibility criteria listed in the “Am I eligible for a mortgage?” section. Without all four of these, it is not possible to apply for a mortgage in the Netherlands. In that case, you would need to finance the purchase with your own funds.
There’s no perfect time to buy a home, the market is always shifting and unpredictable. While buying is a big financial step, it comes with benefits like stable mortgage payments, protection from rent hikes, and the security of owning a space you can personalize. Renting offers flexibility and fewer responsibilities, which may suit those expecting life changes or valuing mobility. In the end, it comes down to what you need most right now: flexibility or long-term stability and ownership.
In general, a mortgage application takes around 4 to 6 weeks to complete. This includes submitting your documents, getting the mortgage offer, and receiving the final approval.
At Expat Mortgages South, we can handle your application faster. We work with priority status at all major lenders. This means that once your file is complete, we can often get an initial review from the bank within 24 hours.
This means that in urgent situations, we can accelerate the process and have your mortgage fully approved in as little as 3 working days, depending on your circumstances and the lender’s flexibility.
Yes, we can. While our team at Expat Mortgages South focuses on clients in Noord-Brabant and Limburg, we’re part of a national network.
If you’re buying a home elsewhere in the Netherlands, we’ll connect you with a trusted mortgage advisor from our sister company, Expat Mortgages, which operates in all other regions—with the same level of expertise, service, and client care you’d expect from us.
Yes, expats can obtain a mortgage in the Netherlands. However, the process often differs from that for Dutch citizens. Banks assess expats’ eligibility based on several factors, including residency and employment status.
Expats may need to provide additional documentation compared to locals. Common requirements include proof of residency, a valid employment contract, and income verification. Lenders may also consider the duration of your stay in the Netherlands.
Non-EU expats might face more stringent conditions than EU citizens. It’s beneficial to work with a mortgage advisor familiar with expat-specific requirements. They can help navigate the complexities and increase your chances of approval. Key considerations when applying include:
Key requirements for an Expat to obtain a mortgage in the Netherlands
Obtaining a mortgage as an expat in the Netherlands involves meeting specific requirements. Banks evaluate your capability to repay the mortgage in several ways. First, residency status is crucial. You must have a valid residence permit to proceed with your application.
Employment is another vital factor. Dutch banks prefer applicants with steady jobs within the country. Often, lenders require proof that you have been employed for a minimum period at your current job.
Financial stability plays a major role. Lenders require documents like pay stubs and tax returns to verify income and financial health. A higher down payment may also be necessary.
The primary requirements are: