Buying a home in the Netherlands as an expat can be very different from buying property in your home country. ABN AMRO is one of the Dutch mortgage lenders with a dedicated proposition for expats and international homebuyers.

Your maximum mortgage is generally based on factors such as your income, existing financial commitments, residence status, and the property value. ABN AMRO also provides mortgage information and support in English, making the process easier to understand for international buyers.

ABN AMRO is a major Dutch bank with extensive experience in the Dutch mortgage market. For expats, one of the practical advantages is that the mortgage process and advice can be provided in English. ABN AMRO also specifically addresses situations involving foreign-currency income and different types of allowances.

If you receive your salary in a foreign currency, such as US dollars or British pounds, an ABN AMRO mortgage may still be possible. However, the way your borrowing capacity is calculated can be different because of currency risk.

In many situations, yes. However, eligibility depends on your individual circumstances.

ABN AMRO considers factors such as:

• - Your gross and sustainable income
• - Your employment contract
• - Your residence status
• - Existing loans and financial commitments
• - The value of the property
• - Your own funds and financial assets
• - Whether part of your income is paid in a foreign currency

Additional documents may be required to verify your identity, income and financial situation.

The maximum mortgage depends on your income, financial obligations, and the property value. In the Netherlands, a mortgage can generally finance up to 100% of the property's value, but the additional costs of buying a home generally need to be paid from your own funds.

For expats, the calculation can become even more complex when you have a foreign salary, variable income, allowances, or a non-standard employment contract.

This is where independent mortgage advice can make a significant difference.

The lowest mortgage rate is not necessarily the best mortgage for an expat.

Different Dutch lenders apply different policies to residence permits, foreign income, temporary employment contracts, bonuses, and allowances. A lender that offers a competitive rate may therefore not necessarily provide the highest borrowing capacity or the most suitable conditions for your situation.

We compare ABN AMRO with other mortgage lenders before recommending a solution.