Expat mortgage

If you cannot pay the mortgage, the bank may ultimately decide to sell your house to settle the outstanding debt. It is essential to contact us and your bank as early as possible if you experience financial difficulties, allowing us to proactively seek a viable solution together.

No, it is not mandatory to take out an NHG, but it can offer significant benefits such as lower interest rates and a safety net with a limited repayment obligation in the event of involuntary default.

The bank requests a copy of your valid identification, recent bank statements, employer statements (or annual figures and income tax returns for entrepreneurs). In addition, where applicable, the lender will require a signed purchase agreement and an independent property valuation report. Every mortgage application is unique, so the exact documents requested may vary depending on your situation.

A mortgage is a loan you take out to buy a house or other property.

There are different types of mortgages, such as an interest-only mortgage, a linear mortgage, and an annuity mortgage. Each type has its own advantages and disadvantages.

The Dutch housing market and mortgage regulations are complex. We translate these intricate matters into clear explanations without financial jargon (and, of course, we are fully fluent in English). Rather than acting as a passive intermediary, we actively direct the entire process on your behalf. We design your complete financial roadmap in advance and instruct both the mortgage lender and the civil-law notary according to our framework. This allows you to step into your future in the Netherlands with complete peace of mind—always at transparent, fixed rates without fine print.

The bank determines how much mortgage you can get on the basis of Dutch acceptance standards. This includes looking at income, assets, your living situation, and existing financial obligations. The higher your stable income and assets, the more you can borrow. In addition, the prevailing mortgage interest rate plays a significant role in your maximum borrowing capacity.

Yes, in many cases this is possible. We understand how the 30% ruling positively impacts your net disposable income. We design your financial plan around these tax advantages and provide the lender directly with the correct calculations.

Yes, in many cases this is possible. Having an international background or running a foreign business does not mean a Dutch mortgage is out of reach. However, it does require specialized expertise in the Dutch mortgage market and a thorough understanding of how different lenders evaluate international income streams.

At Inzicht Financieel, we have extensive experience assisting entrepreneurs and freelancers who operate (partially) abroad, receive income from multiple jurisdictions, or do not yet have an extensive Dutch financial track record. We know the acceptance guidelines across various lenders and identify which institutions are best suited for international files. We assemble a comprehensive dossier (mapping out business continuity, income origins, foreign annual accounts, tax returns, and contracts) ensuring the information aligns seamlessly with Dutch underwriting standards.

With us, purchasing a home does not stop at securing the mortgage. As an international buyer, you will encounter complex rules regarding Dutch property and inheritance law. Because we operate as a single point of contact, our approach is always fully integrated: mortgages, taxation, and family law come together in one comprehensive blueprint. We define the legal and financial frameworks for your cohabitation agreement or (cross-border) will in advance, and directly instruct the notary based on our calculations to prevent unpleasant surprises and protect family assets.