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Mortgages in the Netherlands

Written By:
Myles Robinson - Expert Finance Advisor

Posted: Feb 8, 2023

Mortgages in the Netherlands

The Netherlands is one of the most beautiful countries in the world, so there is very little wonder why someone would want to purchase a house in the country, unfortunately, though, getting a Dutch mortgage can be a long, difficult process if you don’t speak Dutch and don’t currently live in the country.

Thankfully, here at Loan Corp, we can provide you with mortgage advice that can help you find out which mortgage lenders will give you the best deals.

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Can foreign nationals get a mortgage in the Netherlands?

Unfortunately, unless you intend to live in the Netherlands and become a Dutch resident, you will not be eligible for a Dutch mortgage.

You won’t be able to get a special expat mortgage in the Netherlands, as the country does not offer them, and you’ll need to meet some special conditions to be able to apply for a normal Dutch mortgage.

Some of these conditions that will need to be met include:

  • A residence permit if you aren’t an EU resident.
  • If you have a partner, they will also need to live in the Netherlands, even if you want to pay your monthly payments with your own money.
  • You’ll need a BSN (citizen service number)
  • Some lenders will require you to have lived in the Netherlands between 6 months and 5 years, although this will not be the case with all lenders.

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Types of mortgages available in the Netherlands

If you approach a mortgage lender in the Netherlands, they will likely present you with two different types of mortgage products.

It might be difficult to figure out which option to go for, but thankfully, we can help you with this process at Loan Corp.

Annuity mortgage

Annuity mortgages differ from mortgages in some other countries like the UK, as they operate by the borrower repaying some of their borrowed capital each month, as well as a variable amount of interest.

The monthly payments of an annuity mortgage also decrease as you get closer to the end of your mortgage term.

Linear mortgage

Linear mortgages are very similar to the mortgages offered in the UK and throughout the rest of the world, as they work by the borrower paying a fixed amount of borrowed capital and interest back each month.

The amount you pay is usually fixed for the entire term of your mortgage, but you can sometimes agree to different periods of fixed-term interest rates.

An important thing to note about both of these mortgages is that the interest charged on both of them is tax deductible so long as you live on the property.

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How do mortgages work in the Netherlands?

The Dutch mortgage market is very similar to many of the other European countries, so it won’t be extremely difficult to navigate if you have some knowledge of the European mortgage market.

You can also consult with a company like Loan Corp, as we’ll be able to tell you how Dutch mortgages work and how to go about choosing the right one for you.


The maximum mortgage term that you can get in the Netherlands is 30 years, so most mortgage lenders will likely offer you a term between 20 and 30 years.

Another aspect of Dutch mortgages that is slightly different from other countries is that you can choose how long you want to fix your interest rate.

You can choose a fixed interest period between one and twenty years, depending on how stable you think the market will be or if you think the interest rate is set to increase or decrease.


One of the strangest things about Dutch mortgages that no one is complaining about is the fact that 100% mortgages are rather common in the country.

This means you won’t be required to pay a deposit at all if you don’t have the capital for one at the moment. While you won’t be required by law to pay a deposit, there are some other fees you will be expected to pay in lieu of a deposit.

Some of the extra fees that come with a Dutch mortgage include the following:

  • A notary fee, as a notary is needed to witness both you and the seller signing the documents to make them legal. This will usually cost around €1,500.
  • Mortgage advisor fee, you will likely need a mortgage advisor to help you navigate this process, as the documents will all be in Dutch. This will normally cost between €1,500 and €3,000.
  • A valuation fee, which will cost you between €300 and €500.
  • Administrative charges for additional resources, like life insurance, which can cost about €150 per person.

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What affects the interest rate of my Dutch mortgage?

When you want to apply for a mortgage in the Netherlands, your mortgage interest rates may look very different to someone else’s, and this is due to the fact that your interest rate and monthly payments will be worked out on a few factors.

Credit score

Your credit score will have a huge effect not only on your mortgage interest rate but also on the number of lenders that will be willing to provide you with a mortgage.

Having bad credit means it will be incredibly difficult to find a lender that will provide you with a mortgage, and if you eventually do, your interest rate will likely be much higher than it normally would be.

Good credit means that you’ll have access to a wide variety of mortgage lenders who will be able to provide great interest rates.


While it is not necessary to put a deposit down on a Dutch mortgage, it is definitely advisable if you have the capital to do so.

Opting not to put a deposit down means that your monthly payments will be much higher, so even putting down a 10% deposit can be a benefit.

Not putting down a deposit on a Dutch mortgage will also cause your interest rate to be much higher than it normally would, which will cause you to repay far more than just your initial loan.

Employment status

If you are self-employed or a contractor, then getting a mortgage in the Netherlands will be slightly more difficult than it normally would be.

You will likely need to find a specialist lender and apply for a self-employed mortgage. A mortgage provider will usually provide you with a higher interest rate if you are self-employed.

However, some lenders won’t punish you with a higher interest rate and will instead expect proof that you have been working in that capacity for a certain amount of time.

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What is the mortgage process in the Netherlands?

The Dutch mortgage process will normally only be available to you if you become a resident of the Netherlands, so this is how to go about getting a mortgage once you become a Dutch resident.

  1. The first and most important thing you will need to do, before anything else, is finding a property that you would like to take a mortgage out on.
  2. You should then contact either a mortgage broker or a company like Loan Corp and do some of your own research before you make the seller an offer on the property so you know that you are getting the best deal.
  3. Once you and the seller have come to an agreement regarding the purchase price of the property, you should once again get in contact with your mortgage broker so that you can arrange a mortgage for the property and compare the best lenders.
  4. Your mortgage broker or mortgage advisor will then help you make sure that all of your paperwork and finances are in order so that the sale can go off without a hitch.
  5. You will then need to make contact with a qualified solicitor.
  6. You can then contact your chosen mortgage lender.
  7. As the buyer, you will then confirm your offer based on the loan amount that you have been approved for.
  8. You will then need to pay for your deposit, legal fees, and mortgage arrangement fees before the transaction can go through.
  9. Finally, the mortgage deed and the finalisation of the transaction are signed in front of a notary, and you take responsibility for the mortgage.

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Can you get a 100% mortgage in the Netherlands?

Yes, it is possible for you to get a 100% mortgage in the Netherlands; however, it is not advisable to go this route if you can avoid it, as paying a deposit will reduce the amount of interest you need to pay.

How long does it take to get a mortgage in the Netherlands?

Applying for and getting approved for a mortgage in the Netherlands normally takes between 4 and 8 weeks.

Can foreigners get a mortgage in the Netherlands?

Foreigners that decide to move to the Netherlands will be able to get a mortgage, but they won’t be able to live in another country and have a mortgage in the Netherlands.

There are also many other restrictions that apply to expats in the Netherlands.


Get Mortgage Advice From Loan Corp Today

If you’re interested in moving to the Netherlands and getting a mortgage on a property, then you will need some expert advice, as the process can be very complicated, but thankfully, we can provide you with expert advice here at Loan Corp, so you can secure a Dutch mortgage sooner rather than later.

Contact us now for expert advice on getting a mortgage in the Netherlands

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