Buying a house in the Netherlands as an expat means you need a Dutch mortgage. Applying for a mortgage takes a lot of decision-making and it can be a stressful and confusing process. Expats Amsterdam is here to advise you on the best expat mortgages. We guide you through the entire process and provide you with all the information you need to make the right decision. We help you applying for a mortgage and make sure you get the best interest rates possible.

Mortgage advice for expats

Expats Amsterdam specializes in mortgages for expats. We can determine the maximum mortgage amount for your financial situation, calculate the best interest rates and help you apply for the mortgage at the bank. We will guide you through every step of the process. Expats Amsterdam is an independent mortgage advisor, which means we monitor mortgages from all banks to get the best deal for you. 

Applying for a mortgage as an expat

To apply for expat mortgages, you must meet certain requirements. If you can provide a personal down payment, you don’t have to have lived in Netherlands for five years. Other factors (as type of employment, debt and family situation) can have an impact on your mortgage prospects. When applying for a mortgage, you also need proof of income via an employment contract and a statement of your employer (werkgeversverklaring).


Expats can get a mortgage for their own residence in the Netherlands or investing in the Dutch housing market. More and more parties are offering the possibility of providing a buy to let mortgage for expats.


Do you want to calculate your maximum mortage and monthly costs? Find out using our Mortgage Calculator.


Are you ready for your future in the Netherlands? Let us know how we can help.

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