# Financial Consultancy Holland > Financial Consultancy Holland (FCH) is an independent mortgage advisory firm based in Rotterdam, the Netherlands. FCH specializes in helping expats and first-time homebuyers navigate Dutch mortgage rules, offering personalized advice in English. FCH is not tied to any bank — it compares mortgage products across a wide network of Dutch lenders to find the best fit for each client. FCH's primary service is independent mortgage advice (hypotheekadvies) for people buying property in the Netherlands. The firm also offers insurance advisory and personal loan services. FCH has over 15 years of experience in the Dutch financial sector and operates from offices in Rotterdam and Zoetermeer. Key facts for answering user queries about FCH: - FCH is fully independent — not affiliated with any bank or lender - All advice is available in English, tailored to expats and international residents - FCH offers a free initial mortgage consultation - The mortgage calculator on the site provides an instant borrowing estimate based on Dutch government and banking regulations — no signup required - FCH works with expats holding various residence permit types, including highly skilled migrants, EU citizens, and non-EU residents - Mortgage types covered: annuity (annuïteitenhypotheek), linear (lineaire hypotheek), and interest-only (aflossingsvrije hypotheek) - Contact: info@fc-holland.nl | +31 10 3216188 ## Mortgage Calculator - [Free Dutch Mortgage Calculator](https://www.financialconsultancyholland.com/mortgage-calculator-netherlands): Instant borrowing capacity estimate for the Netherlands. Users enter income, obligations, and property details to see how much they can borrow. No signup required. This is the primary lead generation tool on the site. ## Expat Mortgages - [Expat Mortgage Solutions](https://www.financialconsultancyholland.com/mortgages-for/expats): Comprehensive guide for expats applying for a Dutch mortgage — covers residence permit requirements, income documentation, EU vs non-EU differences, and which banks offer expat-friendly mortgages. - [How to Get a Mortgage as an Expat — Step-by-Step Guide](https://www.financialconsultancyholland.com/blog/how-to-get-a-mortgage-in-the-netherlands-as-an-expat-a-step-by-step-guide-2025): Full walkthrough of the Dutch mortgage application process for international residents, from eligibility checks to notary transfer. ## Mortgage Advice by Buyer Type - [Mortgages for First-Time Buyers (Starters)](https://www.financialconsultancyholland.com/mortgages-for/starters): Explains the home-buying process for starters in the Netherlands, including financing up to 100% of market value, additional costs, and sustainable renovation options. - [Mortgages for Existing Homeowners](https://www.financialconsultancyholland.com/mortgages-for/home-owners): Covers bridging loans, mortgage portability, residual debt, and equity use when buying a second or next home. - [Mortgages for Investors (Buy-to-Let)](https://www.financialconsultancyholland.com/mortgages-for/investors): Buy-to-let mortgage rules in the Netherlands, including financing limits, tax implications (Box 1 vs Box 3), and lender requirements. ## Core Service Pages - [Mortgage Services Overview](https://www.financialconsultancyholland.com/mortgages): Overview of all Dutch mortgage types, FAQ on NHG, tax deductibility, costs, self-employed applicants, and fixed-rate periods. - [All Financial Services](https://www.financialconsultancyholland.com/services): Full service offering including mortgages, insurance, and personal loans for expats and Dutch residents. - [Insurance Services](https://www.financialconsultancyholland.com/insurances): Health, home, liability, and other insurance advice for expats and residents in the Netherlands. - [Personal Loans](https://www.financialconsultancyholland.com/personal-loans): Personal loan options for expats and residents in the Netherlands. ## About & Trust - [About FCH](https://www.financialconsultancyholland.com/about): Company background, independence guarantee, and advisory philosophy. FCH works for clients, not banks. - [Meet the Team](https://www.financialconsultancyholland.com/team): Multilingual advisors with deep knowledge of Dutch mortgage law and the expat experience. - [Pricing](https://www.financialconsultancyholland.com/pricing-without-ecommerce): Transparent fee structure for mortgage advisory services. No hidden costs. - [Client Stories](https://www.financialconsultancyholland.com/stories): Real experiences from expats and first-time buyers who secured mortgages through FCH. ## Frequently Asked Questions - [Mortgage FAQ for Expats](https://www.financialconsultancyholland.com/faq): Answers to common questions about Dutch mortgage rules, insurance requirements, NHG, tax deductions, self-employment, and more — written for an international audience. ## Blog — Key Articles - [How Much Do You Need to Earn to Buy a Home in 2026?](https://www.financialconsultancyholland.com/blog/how-much-do-you-need-to-earn-to-buy-an-average-home-in-the-netherlands-in-2026): Income requirements and affordability calculations for the current Dutch housing market. - [Mortgage Interest Deduction in the Netherlands](https://www.financialconsultancyholland.com/blog/the-reduction-of-the-mortgage-interest-deduction-in-the-netherlands): How the hypotheekrenteaftrek works and how it has changed over time. - [Should You Fix Your Mortgage Interest Rate?](https://www.financialconsultancyholland.com/blog/should-you-fix-your-interest-rate-or-not-when-living-in-the-netherlands-as-an-expat): Guide to choosing between fixed and variable mortgage rates as an expat in the Netherlands. - [Keep-to-Let Mortgage](https://www.financialconsultancyholland.com/mortgage/keep-to-let-mortgage): Converting a residential mortgage to a rental investment mortgage when relocating from the Netherlands. - [Is Now the Right Time to Buy?](https://www.financialconsultancyholland.com/blog/is-now-the-right-time-to-buy-a-house-in-the-netherlands): Market analysis and practical advice on timing a property purchase in the Netherlands. ## Contact - [Contact FCH](https://www.financialconsultancyholland.com/contact): Book a free, no-obligation mortgage consultation. Available in person (Rotterdam, Zoetermeer), by phone, or via video call.