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Expat mortgages in the Netherlands

Whether you’re on the hunt to buy your first apartment or are looking into buying another property to possibly rent out, buying a property in the Netherlands is one of the biggest financial decisions most people make in their life. Luckily buying a property in the Netherlands is a great financial investment, when done the right way.


Types of mortgages in the Netherlands

Since internationals can never be sure of how long they live in one place, it is important to understand the conditions about Dutch mortgages. Finding the right mortgage can be stressful and confusing. Also, getting a mortgage as an international in the Netherlands could be a little tricky if you’re not fully aware of all the laws and exceptions. For example, some banks might only take into account 75% of your income while others charge higher interest rates because they see a risk in giving out mortgages to internationals.

There are multiple types of mortgages, but the following two are the most common ones. Also, only these two mortgages are eligible for interest tax deduction.


  • Annuities mortgage
    With an annuities mortgage – also known as the annuïteiten hypotheek – you pay the same amount over the whole period of the mortgage. In the beginning, this amount will mainly consist of interest and a small part of the loan. Gradually this change so that towards the end of your mortgage, you will mainly repay your loan. With an annuities mortgage you often have lower monthly payments, however the downside is that interest rates are higher compared to a linear mortgage.


  • Linear mortgage
    With a linear mortgage – known as the lineaire hypotheek – your monthly costs will become less over time. The amount of dept you repay every month stays the same. However, on top of that you pay interest, which will be the highest at the start of the mortgage as you haven’t payed back that much of your loan yet. At the beginning of a linear mortgage the costs are high, but they will gradually decrease. An advantage of this type of mortgage is that your monthly costs get lower each month.



Already a home owner?

When you’re thinking of refinancing or your mortgage tie-in period is coming to an end, we can help evaluate the different mortgage products available for you. We will find you a mortgage that suits your circumstances tailored to your wishes and future goals.


What can Independent Expat Finance do for you?

We are here to advise you about the best mortgage for your financial situation. Our mission is to guide you through the entire process and give you all the information you need.

With time, care and research we help you be prepared and have control over your home-buying process.

We aren’t tied to any particular bank and put our clients at the forefront of everything we do. We work on your behalf to find you a suitable mortgage with the best interest rate available. We save you money and get you the best terms and lenders’ policies that suit your situation, wishes, and budget.

Since we’re licensed in the Netherlands to set up your mortgage, you won’t have to pay any other fee than the fee we’ll charge if you decide to take out your mortgage with us.

What our clients say about us

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
Tolga Kavukcu
14:23 03 Oct 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
Lisa Isabell Stuemke
12:06 10 Oct 19
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
Nidal Hafil
16:26 11 Nov 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
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.
09:23 13 Aug 19

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Why do expats

choose us?

  • Full support in English
  • Personal & Responsive
  • Wide-range of products and services
  • Guidance throughout the whole process
  • High flexibility

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


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