How to Get a Mortgage in the Netherlands as an Expat: A Step-by-Step Guide 2025

Are you an expat dreaming of owning a home in the Netherlands? You’re not alone! While Dutch mortgage rules can seem complex, breaking the process down into manageable steps makes it completely achievable. Whether you’re relocating for work, building a new life, or investing in your future, this guide unveils everything you need to know to secure a mortgage as an international resident in 2025.

Why Should Expats Consider Buying in the Netherlands?

Strong property market and long-term investment value
Stable monthly costs compared to rising rents
Tax advantages for homeowners
Freedom to make a place your own

But here’s the challenge: Dutch lenders are thorough, and expats must meet precise criteria. Let’s navigate this together, step by step.

Step 1. Check If You Qualify

Before you start house-hunting, establish your eligibility:

Valid passport & residence permit
Proof that you can lawfully live and work in the Netherlands
Income in euros
Your salary must usually be in euros—foreign currency income may only partly count toward your maximum mortgage.
BSN number
The citizen service number is essential for financial transactions.
Employment status
A permanent contract is ideal, but many lenders also accept temporary contracts with employer statements or certain minimum employment periods.
Minimum time living in the Netherlands
Some banks require you to have lived here at least 6 months.

Step 2. Determine Your Budget

Consult a mortgage advisor or use an online calculator to check how much you can borrow based on your income, debts, and the property value.

Tip: Most expats can borrow up to 100% of the property value, but you’ll need to cover closing costs (around 5%–6%) from your own savings.

Step 3. Gather the Essential Documents

Prepare these before applying to save weeks of hassle:

Passport and residence permit
Recent payslips (last 3 months)
Employment contract and/or employer’s statement
Bank statements (Dutch and international accounts)
BSN registration proof
Tax returns if self-employed (usually 2–3 years needed)
Proof of savings
Existing debt statements

Step 4. Find Your Ideal Property

With budget and pre-approval clarity, hire a local real estate agent or start your search on Dutch property portals. Act quickly as the housing market moves fast.

Step 5. Make an Offer and Sign a Preliminary Contract

Agree on a purchase price and terms.
Sign the koopovereenkomst (purchase agreement) at a notary’s office.
Pay a 10% deposit or secure a bank guarantee.
Include a finance clause (“voorbehoud van financiering”) to protect yourself if the mortgage isn’t approved.

Step 6. Submit Your Mortgage Application

Apply via our independent mortgage advisors (recommended for expats).
Submit all documents and await assessment.
Bank will conduct a property valuation and review your financials.

Step 7. Approval, Final Checks, and Notary Signing

Receive formal mortgage offer.
Review and sign at the notary, this is when the property officially becomes yours.
The notary will handle final funds transfer.

Step 8. Move In and Celebrate!

Begin monthly payments (plus home insurance).
Register at your new address.
Enjoy your new Dutch home!

Quick Tips for Expat Success

Work with a mortgage advisor who has expat experience, they know how to anticipate unique challenges.
Have your documents translated into Dutch or English, if necessary.
Keep digital copies for fast communication with lenders.

Take Action and Get Expert Help for a Smooth Mortgage Journey

Ready to take the next step? Let Financial Consultancy Holland guide you confidently through every stage of your Dutch homebuying journey. Contact us today for a free consultation and personalized mortgage checklist. With over 200 successful expat mortgage approvals in Amsterdam last year, we know exactly what it takes to help international buyers land a home in the Netherlands.