About Dutch mortgages
To 'expat mortgages'Buying a house in the Netherlands can be complicated, especially when you’re an expat. The process probably differs from what you’re used to at home. But don’t worry, we'll tell you all you need to know about the Dutch housing and mortgage process.
Our experts have in-depth knowledge of every aspect of the housing market and mortgages for expats, ensuring you receive tailored advice for your situation. Additionally, we've written extensive blogs that explain the principles clearly, so you can navigate the process with confidence."
Hanno's Experts about the Dutch Housing Market and Mortgages
Buying a House in the Netherlands in 10 steps
Are you thinking about buying a house in the Netherlands? Buying a Dutch house as an expat might seem challenging to you. It can be a complicated and stressful process, that probably differs from what you’re used to at home...
How to get a Mortgage in the Netherlands?
When you’re thinking about buying a Dutch house, the first thing you should do is check if you’re eligible for a mortgage in the Netherlands. Applying for a Dutch mortgage can be a confusing process, since the rules are quite complicated and almost all the information is in Dutch...
Housing market in the Netherlands in 2024
Many expats buy a house in the Netherlands to improve their living comfort and save on expensive rental costs. Are you considering purchasing your own property too? Then it's wise to do some research on the housing market in the Netherlands...
Costs of buying a house in the Netherlands
Thinking about buying a house in the Netherlands? Perhaps you’ve already used an online mortgage calculator to calculate your maximum Dutch mortgage. That’s a great first step! But you can’t buy a home with only a mortgage in the Netherlands...
Buying a House in Utrecht
Are you planning to buy a house in Utrecht city or region? Both Utrecht city and its province are vibrant and internationally orientated. It’s one of the most popular places to live in the Netherlands and it has a large expat community...
Buying a House in Eindhoven
Eindhoven, also known as the expat capital in the south of the Netherlands, is very popular amongst internationals to purchase a house. Buying a house in Eindhoven increases your living comfort and will save you money on expensive rental costs...
Homeownership and Tax Returns in the Netherlands
From the 1st of March it’s time for the annual income tax return. If you own a property in the Netherlands in which you live yourself (an owner-occupied home) and have a mortgage, there are costs that you can deduct from your taxable income...
House Sustainability and your Mortgage
Now the energy prices are rising, it's becoming more attractive to make your current or new home more sustainable. However, the costs for energy saving measures can add up considerably. Fortunately, in the Netherlands it's possible to finance these costs with your mortgage...
Fixed vs. Variable Mortgage Interest Rates
It's important to understand the differences between those types of rates if you're thinking about getting a (new) mortgage. A good mortgage rate can help you save money and give you peace of mind. What are the pros and cons of fixed and variable mortgage interest rates...
Do's and Don'ts in the Dutch Housing Market in 2024
The housing market in the Netherlands is a hot topic in 2024, with demand for both rental and owner-occupied properties remaining strong. The average price of a house in the Netherlands is currently around...
When is it a Good Time to Buy?
Buying a house is a significant financial decision, and timing plays an important role in determining whether or not it is a good time to buy. In the Netherlands, the housing market can fluctuate depending on a variety of factors such as economic conditions, interest rates, and government policies...
Navigating the Dutch Real Estate Market: A Guide for Expats
Are you planning to call the Netherlands your new home? This beautiful and diverse country has a lot to offer, from its rich history and culture to its efficient infrastructure and high standard of living. But as an expat, one of the first steps towards settling in is finding the right place to live...
Buying a House without Financing for Expats
For expats looking to buy a house in the Netherlands or other European countries, navigating the complexities of mortgage financing can sometimes feel overwhelming. However, for those with the financial means to do so, buying a home outright without the need for financing is an attractive option...
Increasing House Prices in Dutch Housing Market
The housing market continues to show dynamic growth, with positive forecasts for 2024. ABN AMRO predicts a significant 7.5 percent increase in housing prices this year, followed by an additional 5 percent rise in 2025...
Falling Mortgage Rates: A Great Opportunity But Can Expats Really Borrow More?
As an expat house-hunting in the Netherlands, you’ve probably heard about the recent drop in mortgage interest rates. Lower interest rates sound like the perfect opportunity to get a better deal on your home loan, but it’s important to remember that this doesn’t automatically mean you’ll be able to borrow more...
Buying a House with a Financing Condition or Financial Clause
When purchasing a home in the Netherlands, particularly as an expat, you might consider including a "financing condition," also known as a "financial clause" or financieringsvoorbehoud in your purchase agreement. This clause can be an essential safeguard, especially if your ability to buy the property depends on securing a mortgage...