Buying a house in the Netherlands as an expat

Geschreven door Leonie de Wit op 5 mei 2023

Being an expat in The Netherlands does have its challenges. A foreign language, unfamiliar territory, different laws and another culture with strange habits. Let alone if you want to buy a house as an expat and apply for a mortgage!

There are multiple ways to finance your mortgage, but also multiple conditions. Fortunately, nowadays there are mortgage advisors specialized in advising expats. Ooms Financieel Adviseurs is one of them and in this article we explain some of these conditions.

Different types of mortgages
As an expat there are several ways to get a mortgage for the house you want to buy. There are also different types of mortgages. Do you come from an EU member state, Norway, Iceland, Switzerland or Liechtenstein? In that case you can get a normal mortgage. The same rules apply to non-Dutch nationals as to Dutch nationals. This also applies to residence permits that are not temporary or for an indefinite period. Your income plays the largest role in the calculation for the maximum mortgage. Your mortgage advisor can calculate how much you can get based on your salary and/or your partner's salary. This determines the budget.

Enough opportunities for expats
There are plenty of opportunities for an expat to buy a house in the Netherlands. You have to take into account the accompanying costs like fees, tax, civil-law notary or registering the property in your name. A calculation is needed to point out what product is best fit for you with the lowest interest rate and an indication of the maximum amount you can borrow and come up with an affordable monthly payment.

More information
Are you planning to buy a house in the Netherlands? As an established Financial Advisor in Rotterdam, Ooms Financieel Adviseurs helps expats on a daily basis and knows exactly how an expat should finance his mortgage. You can also contact Ooms with an income that is paid in another currency. Of course, the consultations are also possible in English. Ooms Financial Adviseurs is happy to help you. Please feel free to contact one of our advisors.

Buying a house in the Netherlands as an expat
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