Jordane Cau | Amsterdam | 18-5-2018

Theo and Independent Expat Finance did an amazing job helping me move from Paris to Amsterdam in less than a month, going far above and beyond what I could have ever imagined!

Theo has been an incredible ally in the whirlwind of the move: not only did he introduce me to the best relocation agent I could imagine, but he also helped me get my BSN sorted out in my first week in Amsterdam, as well as opening a bank account with every documentation and access in English! And as if it wasn’t already pure magic, Theo then proceeded to help me set up all the rest of my amenities (water, electricity, gas and even Internet) and guide me through choosing a healthcare, home and legal insurances.

I can’t thank Theo and Independent Expat Finance enough and I will for sure use their services again when the time comes for me to settle down and invest in a property!



Ilia Elenski | The Hague | 15-5-2018

Working with Independent Expat Finance and in particular with Liaget Anwar was a great pleasure! We had such a wonderful experience!

In the beginning, we knew nothing about getting a mortgage and Liaget was kind enough to explain the whole process and helps us throughout the procedure. He helped us even with additional aspects, including: recommending us amazing real estate agent, helping us with additional loans and insurances.

Liaget was very professional, always there to help and answer our questions. Everything went really smooth, well-structured and quick. We are very happy with the service and the final outcome. All in all, our experience was very positive, easy and fast. We could not ask for more!

Thank you, Liaget, for helping us make our dream come true!  



Mike Perera | Amsterdam | 10-5-2018

As an expat from the UK moving to Amsterdam, I knew that I wanted to buy a property but given the importance of the decision, needed to get advice in English from a reputable company. Having initially spoken to a couple of other companies, Expat Finance stood out for me due to the friendly manner that Serge approached the call, he explained everything simply but thoroughly and their rates were competitive. Throughout the process, Serge was always very fast to reply, extremely helpful & made the process of choosing the mortgage very simple. I have since recommended Expat Finance to two of my expat colleagues & would be happy to continue doing so given my positive experience!



Drew Weaver | Den Haag | 2-5-2018

Purchasing a house in the Netherlands as an expat was made ‘pleasurable’ by both Serge and Theo. They were supportive from end to end; covering mortgage assessments and various insurances all the way to arranging utilities contracts for our new home. Pleasant to deal with throughout, even after dealing with my endless questions. An excellent service and one I would highly recommend to others.”



Ahmad Bdour | Almere | 24-4-2018

My experience was all positive from the moment of contact all the way to the end, actually, Liaget was a great support in this very stressful process of arranging a mortgage and was even supportive and very responsive even outside regular working hours. Thanks to Independent Expat Finance I was able to secure the best interest rate on my mortgage in a short period of time and all went very smooth. Thank you.



Carles Constanti | Amsterdam | 5-3-2018

I was looking for a financial advisor after I decided to go on the property market to buy a house in Amsterdam. As an expat and having been living in NL for under a year I needed much help with all the legal procedures and documentation as all official forms are in Dutch of course so I asked some of my work colleagues and I was recommended Independent Expat Finance.

I am very happy I chose them since they took the pressure off my shoulders about many things and helped me all the way with everything, including getting the best mortgage deal possible and informing me of all my options as well as organizing my bank accounts, home insurance and other services. Serge was always available either by phone or email and I would definitely recommend them to anyone in a similar situation trying to get into the property ladder here in the Netherlands. It was worth the extra cost as their services are great and I could focus on my main priorities while they took care of the legal stuff.



Noor | The Hague | 28-2-2018

It was a great pleasure working with Liaget. As an expat it was difficult for me to find an apartment in The Hague within my budget. My husband and I , consulted Independent Expat Finance and Liaget listened to our needs and provided us immediate options and helped us with the buying process. Liaget is knowledgeable, responsive and a helpful person who always had our best interest in mind and made our home buying process as easy as possible. We truly enjoyed working with him and I am not sure if we would have made it through our home buying experience without him that well. We highly recommend him. Thank you again!



Ilker Birbil | Utrecht | 19-2-2018

Moving to a new country is never easy. Although this was just a return to Holland for us, we still found it rather involved to get everything going. Without the help from Independent Expat Finance (in particular Theo), it would have taken months to settle down. People at Independent Expat Finance were very supportive and responsive. I appreciate their help tremendously.



Gary Hughes | Amsterdam | 15-2-2018

I found that my current bank was being a little inflexible in approving a mortgage for a property I wanted to purchase in Amsterdam. I was given Serge as a contact and from the minute we connected and I told him my problem, he worked quickly and diligently to get me what I wanted at a great rate. I would recommend  him to anyone needing professional and quick service.



Quentin Ferreira | The Hague | 26-1-2018


After a terrible experience with a large bank, we were referred to Liaget by the Mortgage broker at the bank. We were in a very precarious position of needing to apply for a mortgage urgently.

From the moment I spoke to Liaget, I could tell that he knew what he was doing.  He made me feel at ease, and was able to instruct and advise us on the process in a very hands-on, client friendly manner.

They say talk is cheap, but Liaget also delivered the service, and in a very timely manner.  From start to finish, the process took two days - this is compared to two weeks of constant back and forth with a large bank.

Above all, I appreciated the personal touch - Liaget responded to our emails immediately, even after hours, and the service was flexible and tailored to our needs. In addition, he paid us the courtesy of a home visit even after the paperwork was finalised, and also took care of all our utilities and insurance in preparation for our big move. I am truly grateful for the wonderful service I received from the team at Independent Expat Finance - they were there for my wife and I during a very stressful time and I would recommend their services to anyone.



Karlien de Wet | Amsterdam | 19-1-2018

Serge has been a great help from day one. I called him and he had a full summary of my mortgage within 30 minutes of calling him. He also always provided additional advise and help on topics other than my mortgage. Serge is very trustworthy and by far got me the best deal. Even better than I could get directly from a bank. I highly recommend his services.



Nelson Nji | Amsterdam | 18-1-2018

Independent Expat Finance is a unique stop-point for anyone looking for quick and reliable financial solutions as I experienced finding and financing a new home. After about 4 months following my introduction to Mr. Serge Pouw by a colleague, I became a new home owner. Following my first telephone call, Mr. Pouw did not only start providing me with valuable financial advice but immediately brought me into a professional network that handled everything from the new property search including the eventual evaluation, technical inspection and notary arrangements. With this package, all I had to do was to accept it and of course decide which property or mortgage I wanted. Mr. Pouw supported me all along which kept me ahead of everything with clarity over every step and so making decisions and closing the deal was faster and easier. I was marveled when the Notary handling the mortgage and transfer deeds exclaimed that the interest rate was the lowest he had seen in the past five years. Throughout the whole process, I met Mr. Pouw only once. This to me has been an exceptional service and experience! 



Ilyes Guettari | Amsterdam | 16-1-2018

Theo helped me with my complete insurance package with an unbiased advise which was really helpful! Last week, I had an accident with my car and hit a fox on the road. It damaged my car quite heavily, since there was no one else liable but me I contacted Theo instantly for help in this matter. I had no idea if I was covered for this kind of damage which stressed me out! Theo helped me sort out the claim with the insurance company and made it so that I could get my car fixed and continue with my day to day life! I am very happy with how Theo helped me get everything sorted out.



Glenn V | Den Haag | 29-12-2017 

When re-mortgaging our home loan we experienced the services of independent expat finance to be quick, professional and with a lot of personal attention. Being able to meet our advisor outside business hours and even on the weekend was a big plus for us. With also very good results in the end. 



Nic Chetham | Amsterdam | 20-12-2017

I couldn't give a more positive review if I tried! 

Liaget and Independent Expat Finance made everything so easy. I was in the process of purchasing a property in Amsterdam and on a deadline. I had a very negative experience elsewhere and had been let down, just when I needed help Liaget stepped in and within a few hours called me as promised with a better mortgage deal than I could have hoped for! A coffee a day later and I was approved and signing. I am now a very happy expat home owner in Amsterdam thanks to Independent Expat Finance.  

Theo was even then able to sort out all my bills, internet and insurances and consolidate them into one easy monthly bill. Having all the correspondence in English was so helpful. 

The service provided was the highest I could have hoped for and I have already recommended them to several expats I know. I will definitely be using their services again in the future!

I cannot thank the team at Independent Expat Finance enough!"



Subha and Bert Kuijper | United Kingdom | 18-11-2017

Having lived away from Holland, we knew it would be complicated for us to find a mortgage provider. But we did not realize what a challenge we posed to anyone trying to organize a mortgage for us! We did not tick any boxes - we live and work in two different countries, we do not earn in euros and we are not that young!  We got in touch with several financial advisers, but few were really helpful.  Then we found Independent Expat Finance, Serge and his team and within a few short weeks, we went from finding our dream home in Holland to actually being in a position to buy it.  In addition to the mortgage, Serge and Independent Expat finance also help sort out insurances, utility connections and any other bits that need to be organized.  It made a huge difference to us that Serge and his team were able to do everything long-distance and were always available on emails and the phone.  If you are an expat living abroad and looking to buy in Holland or an expat living in Holland and you want to buy a home in  Holland, you really don't need to look any further than Independent Expat Finance.



Andrew | Belgium | 16-11-2017

Overall I am very happy with the services provided by Independent Expat Finance. As a Dutch citizen living abroad, I was looking to secure a mortgage for a second home in the Netherlands and I was finding it very difficult to get any useful information from the banks. Independent Expat Finance was both knowledgeable and responsive and served as a single point of contact throughout the whole process. Their fees are also very reasonable.


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