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Understanding Nationale Hypotheek Garantie (NHG) for Expats in the Netherlands We understand that navigating this country’s mortgage market is not an easy task for expats living in The Netherlands. One important aspect to consider when buying a home here and applying for a mortgage is the Nationale Hypotheek Garantie, commonly referred to as NHG. NHG....

Unlocking your dream home: Why Expats in The Netherlands choose Independent Expat Finance for mortgage advice Dear Home Buyers in The Netherlands, Congratulations on embarking on the exciting journey of finding your dream home! As you navigate through the process, it's crucial to make informed decisions, especially when it comes to securing a mortgage. While....

How much transfer tax do I need to pay when buying a property in The Netherlands? We wish we could hand out free tax exemptions but the Dutch tax authority “Belastingdienst” tends to disagree. When you are buying a property here you will often have to pay transfer tax, which in Dutch is called “overdrachtsbelasting”.....

Can I take my old mortgage with me when I move house? In just over a year mortgage rates have increased from 1 to 4%. These higher rates mean higher monthly expenses and less borrowing capacity when applying for a mortgage. This in turn together with higher energy costs is pushing prices down in the....

Dutch mortgage changes in 2023 With the year almost over it is time to look at the changes that lay ahead with regard to buying a property and obtaining a mortgage. Schedule a call for a no-obligation mortgage consultation 1. NHG limit will increase with € 50.000   NHG stands for the Dutch National Mortgage....

5 frequent questions by first time buyers What does the process look like when I want to buy a house?   The first step is a good preparation. You should have a clear view on what are you looking for and if for example you want to be advised by a real estate agent. Get....