Expat

Buying a house in the Netherlands as an expat can seem complicated at first. You will have to deal with different rules, a new financial system, and often many questions about obtaining a mortgage. We are happy to help you through a clear and straightforward process!
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Mortgage options for expats

Many expats working here choose to buy a home rather than rent, especially when they plan to stay in the Netherlands for several years.

The purchasing process for expats is largely similar to that of Dutch buyers. It is good to keep in mind that lenders sometimes require additional information, for example regarding your employment contract, income, or residency status. By arranging this properly in advance, the mortgage process often runs much more smoothly.

Good to
to know

These are elements you need to pay attention to when buying a house in the Netherlands as an expat.

The amount you can borrow depends mainly on your income and the value of the property. Lenders also consider existing financial obligations and the current mortgage interest rates.

Permanent residency is not always required to buy property in the Netherlands. However, lenders usually want to see that you have the right to live and work in the country. Your employment contract and visa type may play a role.

Lenders typically ask for documents such as your passport, employment contract, income statements and residence permit. Sometimes additional documents from your employer may be required. The exact list depends on the lender and your situation.

Personal mortgage advice for expats

When you are new to the Netherlands, it can be nice to have someone guide you through the process of buying a home. From the initial mortgage consultation to signing the deed at the notary.

At Advies van Jord, we take the time to explain everything clearly. We look at your personal situation and help you find a mortgage that fits your plans in the Netherlands.

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Rates

We work with fixed rates for our mortgage advice. This way, you will never face any surprises.

Expat

€ 2.950
  • Advice for your first or next home purchase
  • Interim consultation on the changing interest rates
  • Choose from offers from all well-known lenders
  • Honest advice about the various options

Key terms / Mortgage types

As an expat in the Netherlands, you come across many new terms. That can sound quite complicated sometimes, so we explain the most common terms below!

Interest-only mortgage

With an interest-only mortgage, you only pay interest. You do not make automatic repayments. As...

Linear Mortgage

With a linear mortgage, you repay a fixed amount each month. As a result, your...

Annuity Mortgage

With an annuity mortgage, you pay the same total amount each month. At first, you...

Still no idea what it all entails?

Don't worry, we'll be there for you every step of the way. Schedule your free consultation now.

We have already made over 2,000 customers happy.

5/5
Google
★★★★★

Very helpful mortgage advisor, Samuel!

Always replied quickly to our emails,was very clear in his explanations and helped us alot throughout the whole experience!

Sajni Singh
October 2026
★★★★★

Wij zijn ontzettend tevreden over Matthijs als hypotheekadviseur.

Hij is een deskundige, eerlijke en betrouwbare adviseur die echt de tijd voor je neemt en alles duidelijk uitlegt. Je merkt dat hij veel kennis en ervaring heeft en altijd met je meedenkt om tot de beste oplossing te komen.

Ben je op zoek naar iemand voor het afsluiten van je hypotheek? Dan hoef je echt niet verder te zoeken. Wij kunnen Matthijs van harte aanbevelen!

Als ik meer sterren had kunnen geven, had ik het gedaan!⭐️⭐️⭐️⭐️⭐️

Sudenur Erturk
September 2026
★★★★★

We are so lucky to have found you!

We are pleased and very grateful for the tremendous support to our search and mortgage journey. From the beginning, Matthijs (our assigned mortgage advisor) was there for us to support and provide all the necessary information step by step. With his energy and professionalism, we were able to gain a lot of confidence for the process and to feel supported through this! Such a nice experience that we enjoyed a lot. In such a stressful moment, Matthijs was there to respond immediately and to be willing to answer every question that we might had, providing honest advice for our options. We definitely recommend to work with them. Thank you so much once more for helping us to buy our first house in the Netherlands.

Eirini Sarli
August 2026
★★★★★

Wij zijn super goed geholpen met de aankoop van ons eerste huis.

Matthijs is een goede hypotheekadviseur. Hij legde alles goed en duidelijk uit, hierdoor was het erg makkelijk om een hypotheek te regelen. Het contact was super fijn. Echt top! Wij zouden het zeker aanraden aan andere mensen.

Romy zandbergen
July 2026
★★★★★

I had a wonderful experience receiving advice from Matthijs regarding securing a mortgage.

It was my first house so I was quite overwhelmed with things I did not know, but Matthijs went above and beyond to put me at ease and guide me through the entire process. He made sure I understood everything and always gave me all options with extensive explanations, and all this at a very reasonable price point.

LD
June 2026
★★★★★

If you are looking for a great mortgage advisor Samuel is your guy!

I am extremely happy with Samuel as my mortgage advisor - his replies are very fast and accurate, contracts and offers are thoroughly reviewed (he goes point by point with you), he answers every question that you can imagine and is truly and expert in the field. His advice and help goes beyond just application: he is persistent that in case you need any help during tax season you should mail him.

Joanna Chodorska
May 2026
★★★★★

Wij zijn enorm goed geholpen door Samuel.

Hij heeft enorme expertise, ook wanneer je vragen niet standaard zijn. Hij is meedenkend, geduldig en oplossingsgericht en is er ruimte voor een grapje. Hij legt complexe onderwerper heel erg duidelijk uit en is altijd bereikbaar, hij reageert binnen mum van tijd. Wij raden Samuel aan iedereen aan, echt een topper!

Max Brinkman
April 2026
★★★★★

We would highly recommend Matthijs!

My wife and I had an excellent experience with our mortgage adviser Matthijs from Advies van Jord for purchasing our first house in the Netherlands. The communication with him was always smooth, friendly, and prompt, which made the whole process feel easy and stress-free. Matthijs clearly explained the different mortgage plans, carefully outlining the benefits of each option so we could make the best decision. His support was incredibly fast and efficient, and he helped us secure my mortgage approval much quicker than I expected. My wife and I truly appreciated his dedication and attention to detail from start to finish.

SHU LI
March 2026
★★★★★

Enorm fijn geholpen door Matthijs bij de aankoop van ons huis.

Mijn vriendin en ik zijn allebei ondernemer, waardoor er tijdens het proces veel documenten moesten worden aangeleverd. Daarbij zijn we uitstekend begeleid en werd alles duidelijk uitgelegd. De communicatie verliep prettig en snel, waardoor het hele traject verrassend soepel is verlopen. Absoluut een aanrader!

Thijs Drost
February 2026
★★★★★

Wij zijn fantastisch geholpen door Samuel.

Bij de aankoop van ons huis hadden we te maken met een wat ingewikkelde constructie, maar niets was te gek en voor alles wist hij een passende oplossing te vinden. Het contact verliep snel en soepel. We zijn erg dankbaar voor al zijn hulp!

Pepijn Becking
January 2026
★★★★★

I was supported by the firm for the mortgage of our new house.

It turned out to be perfect choice as I was rightly guided and advised at every step of the mortgage application.

I was assisted by Samuel. He is very professional and knowledgeable. He explained the entire process very clearly and it all went real smooth. To my surprise, the loan was processed within a week. I am very satisfied with the level of assistance that i got for my loan application.

Sachin Kunder
December 2025
★★★★★

Super goed geholpen door Samuel van Advies van Jord!

We zijn uitstekend begeleid bij het maken van onze keuzes, en Samuel was altijd goed bereikbaar voor vragen. Daarnaast was de hypotheek aanzienlijk sneller rond dan verwacht.

Lard Van Zuylen
November 2025

This is how
we work

Our advisors guide you step by step during the process of buying a house!
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1

Introduction & free mortgage consultation

During a no-obligation introductory meeting (online or in person), we discuss your financial situation, plans, and wishes for a house in the Netherlands.
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2

The financial check

What is the maximum you can (and want to) borrow? And what fits your monthly payments? We determine exactly what is financially feasible for you.
3

Looking for a suitable house

The home search can begin! In the meantime, we will stay in close contact so that we can start the work on time to secure the mortgage in a relaxed manner.
4

The mortgage application

You have found a house! We help you gather all the documents, find the mortgage that best suits your situation, and ensure the complete package reaches the lender.
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5

The mortgage is finalized & off to the notary

The bank has approved the mortgage and the binding offer has arrived. We ensure that everything is 100% correct and handle the final matters with the notary. After that, it is time to sign the deed, and you can toast to your mortgage and new home with peace of mind!

How can we help you?

Schedule a free mortgage consultation or ask your question. We will contact you as soon as possible!

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Our knowledge of
buying a house as an expat

In our articles, we share practical explanations, current developments, and answers to frequently asked questions about mortgages.

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Mortgage interest rate outlook 2026 (trends, forecasts and opportunities)

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