Mortage advice for Expats

Are you planning to buy a house in the Netherlands, have you already found your dream home, or are you still exploring your options? Regardless, it is important to get expert advice on your choices and receive guidance when dealing with some of the most significant challenges, such as:

  • When can you, as an expat, buy a property in the Netherlands?
  • For what amount can you secure a mortgage?
  • What are the tax rules for an expat when taking out a mortgage in the Netherlands?

Our team of advisors have extensive experience and can assist you at every stage of the application process, from your initial enquiry to the transfer of the property before the notary.

Our affiliation with most mortgage lenders enables us to provide you with independent advice tailored to your specific situation.

  • One point of contact as your personal advisor

  • Independent financial advice

  • Always close by

BTER geregeld

Tailored Mortgage Advice

Are you buying a property in the Netherlands for the first time? We will examine your specific situation,

including the maximum amount you can borrow as well as your future plans in the Netherlands. If you

have purchased a house before, we can help you find the best solution tailored for your specific

situation. We will discuss refinancing options, how best to use your equity, and other ways to optimize

your mortgage. Do you want to know more? Schedule a free consultation!

Schedule a consultation
Financieel advies

Our Advisors are always here to help you

Have you found your dream home? Our advisors are ready to assist you. Easily schedule a free

mortgage consultation at the bottom of this page. Together, we will map out your financial situation

and explore all your options. Do you have an urgent question? Your advisor is always available, even

on weekends! We will guide you from finding a suitable home to the transfer at the notary.

Schedule a free consultation

Calculate mortgage

Curious about your maximum loan for new construction? Visit us for a free mortgage consultation or use our calculator for an estimate.

Calculate mortgage

Mortgage Advisors

Watze Bosma

Watze Bosma

Terschelling

M 06 15 61 55 43
watze@bterfinancieel.nl

WhatApp #

Peter van der Laan

Peter van der Laan

Heerenveen

M 06 21 70 50 99
peter@bterfinancieel.nl

WhatApp #

Hans Stroosma

Hans Stroosma

Leeuwarden

M 06 10 28 46 91
hans@bterfinancieel.nl

WhatApp #

Arno Elevelt

Arno Elevelt

Groningen

M 050 80 09 107
arno@bterfinancieel.nl

WhatApp #

How does a mortgage work for Expats?

BTER Financial is accessible at various locations and online. We assist first-time buyers, those moving up the property ladder, and anyone looking to refinance. We are committed to securing you a home and ensuring that you make the best choice for both the short and long term.
 
Once we identify the right mortgage, we will compare the options to help you make an informed decision. When everything is clear, your advisor will guide you in applying for a mortgage from the bank, detailing how much you can borrow, as well as the terms and conditions involved. Our advisors are certified and fluent in both English and Dutch, ensuring you always receive the support you need.
 

Financial check

When making an offer on your dream home, our advisors will guide you through the process and ensure you have the necessary documents, including a financial check, also known as a “bid certificate”. This document provides the seller with insight into your financial situation and confirms your ability to purchase the property, allowing the bidding process to proceed smoothly and efficiently.
Do you want to know more about your options for securing a mortgage? Feel free to contact us.
 

Schedule a consultation

Frequently asked questions

Yes, expats can obtain a mortgage in the Netherlands, but the process can be complex due to various laws and regulations. It is advisable to consult a mortgage advisor specializing in expat mortgages.

Yes, it is possible to get a mortgage with an income from abroad. However, banks have specific requirements, such as documentation and potentially additional evidence to verify the source of your income. Do you want to know more? Contact us.

An expat mortgage is specifically designed for foreign workers in the Netherlands. The application process involves assessing your financial situation, comparing mortgage options, and obtaining independent advice from specialized advisors.