Independent Expat Finance | Financial services for expats

Independent Expat Finance

A One-Stop-Mortgage-Shop for Expats in The Netherlands

Living abroad brings financial uncertainties, whether you’re a seasoned resident of the Netherlands or a recent arrival settling into a new apartment. At times like these, expats often require financial guidance and that’s where we step in to assist.

We specialize in providing independent mortgage advice in the Netherlands, catering specifically to expats. Our expertise in handling the unique challenges faced by expats proves invaluable. Whether you’re still overseas, planning your move, exploring mortgage options, navigating complex income streams, considering buy-to-let properties or second homes, we have you covered.

Our team of mortgage advisors operates across various locations in the Netherlands, ensuring closeness and convenience. For all clients we also offer online video sessions. Moreover, besides mortgage assistance, we extend our support to arrange various services, such as insurances, valuations, technical inspections, bank guarantees and personal loans. Through our extensive network, we can connect you with other specialists, including tax advisors, relocators and real estate agents, providing a comprehensive approach to your personal finance and housing needs.

As an independent mortgage advisory firm, we remain unaffiliated with any particular financial service or product. This ensures that our advice is entirely unbiased and we work solely for your benefit. Count on dedicated support throughout your financial journey and home acquisition.

Meet our team of professionals now

Why Expats choose us?

Your dedicated advisor & support
Specialized in dealing with expats
Guidance during the process
Access to many mortgage providers
Clear info on our pricing

We can advise you in the

following financial services and products

Mortgages

On a mission to buy a house in the Netherlands? Let us help you get
the keys to your new home!

Insurances

Reduce financial risks and get the support that you need. Getting the right insurance now may save you a lot of money in the future.

Tailored to your situation

Are you purchasing your first home, looking to refinance your current mortgage at a lower rate, or planning to move into a new home? We’ve got you covered! We have access to more than 35 mortgage providers. Our goal is to get you the best deal that matches your situation and wishes.

Your first home

Are you an expat considering buying your first home in the Netherlands? Congratulations in taking this exciting step towards home ownership. As a first-time buyer, understanding the mortgage process and knowing what to expect is crucial. We provide personalized mortgage advice to expats like you, so let us guide you through this whole process.

Your next home

Congratulations on embarking on your journey as a second-time buyer in the Netherlands! Whether you’re looking to upgrade to a larger home or invest in additional properties, navigating the mortgage process as a repeat buyer comes with its own considerations.

Refinancing

Are you an expat homeowner in the Netherlands looking to optimize your mortgage? Refinancing can be a smart financial move, offering expats the opportunity to take advantage of lower interest rates, adjust repayment terms, or access equity for other purposes.

Independent Expat Finance has access to more than 35 mortgage providers

We compare interest rates, acceptance policies and conditions. Our goal is to get you the best deal that matches your situation and wishes.

We are proud of what our

Customers think of us

We had the most wonderful experience in our interactions with Serge and Kai from Independent Expat Finance, and thanks to their precise and helpful information and data, we were able to quickly, and with minimal fuss, able to finalize on all formalities needed for purchase of our first home.We would 100% recommend to trust Independent Expat Finance in their knowledge and expertise of the dutch housing market and mortgages for your house hunt.

Santhosh Joseph

11:00 28 Oct 22

Serge and Kai were extraordinary during our house-buying process. Incredibly time-attentive, friendly and with great knowledge of the housing market, Serge always made sure to explain and ensure our comprehension of each step of the process, making us feel secure and reassured. He was also a great help through the negotiation, which was a twist in the whole process. We couldn’t be happier!

Deborah Martins

17:10 11 Oct 22

We contracted Rogier as our mortgage advisor. He was so knowledgeable and friendly. He talked us through every step of the process and managed to secure our mortgage in 4 days. We also got the best rate available. I would advise their service to anyone.

Mark Craig

08:40 07 Sep 22

Serge is a genius! We have just moved to our perfect 'dream' home and there is no way we could have done so without Serge. We needed a broker who could 'think outside the box' and offer creative solutions or else the deal would not happen. Serge came up with a very different solution to propose to the lender, one which they normally never do, and they went for it. It was really clear at that point that Serge's relationship with the lender was instrumental for our proposal being agreed. Best broker out there by a kilometre!

Francoise O'Connor

12:05 09 Jun 22

Serge was extremely helpful throughout our entire house buying process! He always carefully explained what was expected from us and made sure we fully understood each step/document we received. He made navigating the tricky Amsterdam housing market a lot easier! I would absolutely recommend him for your mortgage needs!

Nathaniel Kay

17:52 14 May 22

Really pleased with the service provided by these guys. Quick to take action when required and very honest. Definitely recommend

Toby Bennett

08:33 17 Aug 20

I got help from independent expat finance advisor. it is a top professional service experience. they really think from your shoes. and try to give you the best option. i would recommend to my friends around.

Liz Qianer

15:19 14 Aug 20

I recommend 110%! Independent Expat Finance are professional, transparent, super responsive and really took the time to understand my needs and what I was looking for. Ferry helped me every step of the way throughout the buying process and his advise was gold. Thanks a million!

Thomas Goree

20:45 27 Jul 20

Independent Expat Finance is the perfect channel you guys should liaise with in regards of buying house especially for expat who're non-dutch speaker. They're extremely professional and willing to assist from A-Z for all the challenge you've faced. During process of buying my 1st house in the Netherlands I closely engaged with Serge Pouw. He is super reliable to advised on your doubt and will consult your end until finalized. 5 stars for them!

Noranisaleh 1588

13:33 27 May 20

Independent Expat Finances has helped us with a number of things, such as applying for insurances, and lately also applying and getting a mortgage. They are very helpful and professional. They are quick to reply and really care about they customers. We strongly recommend them to anyone who needs support in navigating the 'Dutch financial world'.

Karen Schneider

08:35 22 May 20

I have had the pleasure to receive advice on financing for purchase of a house and subsequently receiving services in obtaining the mortgage for the house. The whole customer journey is great from initial requirements clarification, considering options to obtaining the best possible mortgage. Getting the mortgage settled with a bank by Independent Expat Finance as service provider means minimum effort for the customer and the shortest path to obtaining the financing needed. I can highly recommend these services.

Niels Aarup

11:49 11 Mar 20

Highly recommended! Very responsive, quick, transparent when issue arises and very efficient and effective in resolving it which in my case was crucial! Appreciate it ! Thanks Ferry !! 🙂

Danka Blagojevic

12:17 06 Mar 20

Highly Recommend this company. I mainly dealt with Liaget and Ferry on any topics in regards to financing. Both are absolute professional, always available and very patient in explaining everything (especially documents only available in dutch). Was a pleasure working with them! I briefly dealt with Rogier on all things insurance and got an equally as good and thorough service.

Katharina Hicker

10:11 08 Jan 20

For expats wants to buy a house in the Netherlands, Independent Expat Finance is the solution! I bought my first house and very happy with the service along the way! I communicated mostly with Liaget and his colleagues Rogier and they are very professional, quick in response and honest advice! Very experienced people. He definitely entertains all questions you have with a clear details explanation. Highly recommended!

Nidal Hafil

16:26 11 Nov 19

I definitely recommend to work with Independent Expat Finance! They work with a nice personal touch and take a lot of effort to sort everything out for you in the most convenient and fastest way, so they saved me a lot of stress and time as well!All in all, Independent Expat Finance is reliable and professional so I had a very pleasant time working with them together, especially during the meetings in person.

Lisa Isabell Stuemke

12:06 10 Oct 19

I highly recommend Independent Expat Finance to everyone. They do more then advisory, you can make sure that you will get answers for your questions anytime. I could not complete my mortgage journey without help of Serge and his team. If you are planning to take out a mortgage, don’t search for anywhere else especially if you are an expat in Netherlands

Tolga Kavukcu

14:23 03 Oct 19

Highly recommend! I have worked with them twice the first time everything went smooth even though I was out of the country. The second time the Real Estate Agency was a scammer but luckily Independent Expect Finance handled everything professionally and didn't give up the fight. All in all, they are amazing and give great financial advice.

Lsa. Grg

16:51 09 Sep 19

We worked with Liaget for couple of services; from mortgage application to life insurance. His expert advice and strong follow up helped us to get all services on time in full. We were able to get our mortgage approved almost only after 1 month in Amsterdam. It was not a typical application but still he handled very carefully and professionally. Would recommend his services to others as well.

ELİF TUTUM

09:23 13 Aug 19

‹

›

Our latest news on

all financial matters for expats

Wednesday, September 27th, 2023

News update: Transfer tax starter exemption in 2024

Transfer tax starter exemption in 2024 In the Netherlands you can benefit from a transfer tax starter exemption if you are buying a property to live in yourself, are under 35 and have not used the exemption in a previous purchase. As of 2024, you won't have to pay any transfer tax on a purchase....

Thursday, September 7th, 2023

The Impact of Mortgage Interest Rates on Dutch Housing Prices

The Impact of Mortgage Interest Rates on Dutch Housing Prices Mortgage interest rates have a significant influence over housing prices in the Netherlands, a country celebrated for its picturesque landscapes and vibrant cities. In this article, we'll examine how changes in mortgage interest rates reverberate through the Dutch housing market, shaping the decisions of both....

Read our articles

Mortgage advice for expats in the Netherlands