Buy-to-Let mortgage in the Netherlands

Buy-to-Let Mortgage Strategy for Investors in the Netherlands

Structure your Dutch property investment correctly from day one — financing, tax position, and lender strategy aligned.

Book your investor strategy call

Access to 8+ buy-to-let lenders
Expat & investor specialist
Independent mortgage advisory

Buying a rental property in the Netherlands is not difficult.
Structuring it correctly is.

±70% LTV financing available
Transfer tax 8% to 10.4%
Box 3 tax pressure rising sharply
Limited lenders for expats
Higher interest rates vs residential

Speak to a buy-to-let specialist before making an offer.

Book your investor strategy call

WHAT TO EXPECT FROM A STRATEGY CALL

The initial consultation is designed to give you clarity quickly.

During this call, we typically cover:

Maximum borrowing capacity for investment property
Keep-to-let feasibility, if applicable
Required equity and cost overview
Indicative interest rates and lender options
Structural considerations (private vs BV)
Key risks and optimisation opportunities

After the call, you will know whether the investment is feasible and how to structure it correctly. If there is a strong fit, we move into full advisory and lender execution.

Purchase Protection Act

Dutch cities introduced a new law to prevent investors from taking away homes for first-time home buyers. You must meet the requirements to invest in a property.

This law only applies to those buying properties for investment purposes. However, there may be restrictions for homebuyers who wish to rent their property, such as needing a permit and meeting certain conditions. Each municipality has the autonomy to implement its policies.

Learn more

Book Your Buy-to-Let Strategy Call

For serious investors and homeowners converting property into rental. This conversation is most valuable if you:

Are purchasing or refinancing within 3–12 months
Have a household income above €100k and substantial assets
Are acquiring property from approximately €475k+
Want to structure correctly from the outset

100% Independent Advice

The process of buy-to-let mortgages:

Dutch mortgage lenders review the property you plan to purchase. A valuation report is required to determine the property's value, market value, and expected rent.
Mortgage lenders check if VvE is healthy.
Rent is always a key indicator when applying for a buy-to-let mortgage.
Mortgage lenders check your income and savings to determine how much mortgage you can afford.

Buy-to-let mortgages lenders

Mortgage lenders have different requirements to apply for investment mortgages.
The buy-to-let market is small in the Netherlands. Only a few lenders offer investment products: Dynamic Credit, Nationale Nederlanden, Rabobank, Lloyds bank, NIBC, De Nederlandse, Domivest, RNHB and Woonfonds.
Mortgage lenders work only with mortgage brokers. Please contact us for investment opportunities in the Netherlands.
Not all buy-to-let mortgage products are available for internationals (expats).
Higher interest rates apply to investment mortgages.

Buy-to-let mortgage calculation

Banks and mortgage lenders have different requirements and calculations to determine how much you can borrow. There is no online calculator that can calculate how much buy-to-let mortgage you can afford. For this reason, please contact us to receive a mortgage report which is based on your situation.

Topics to think about

The value of the property can increase or decrease depending on the market.
Return on investment increase or fall depending on the market.
Tenants' rights are well-protected in the Netherlands, which means you must comply with Dutch tenancy rules.
Property maintenance costs.
Impact on income tax box one/two or box three.

Box 1/2 and Box 3 investment mortgage

Residential homeowners with a mortgage are taxed in Box 1, while property investments are taxed in box 3. The Netherlands doesn't have a capital gains tax. So rental income is not taxed if the property is in box 3.
If you buy the property as a real estate BV, the situation changes—for example, a capital gains tax as it becomes part of the BV profit.

Buy-to-let mortgage interest rates

Buy-to-let mortgage products are less popular than owner-occupied homes. The interest rates are usually higher by 0.75% to 1.25% in comparison to residential mortgages. Mortgage interest rates vary per mortgage lender in the Netherlands.

Before investing in real estate, ask yourself:

What type of property do you want to buy (new project, luxurious apartment, student apartment)?
What rent do you expect?
How much profit do you expect to get after taxes?
Research the neighborhood and WOZ value. Find out how much rent cost in a similar area.
How will you cover maintenance expenses?
Do you have plans to hire a company to manage your property?
How do you plan to cover monthly mortgage payments if you cannot find new tenants?

How do you refinance a residential mortgage to a buy-to-let mortgage?

Let's say you took a residential mortgage some time ago. Now you plan to move away from the Netherlands, and you want to rent your property out. Your current mortgage lender does not offer investment products, so you must switch mortgage lenders. Note: not all mortgage lenders offer an investment product in the Netherlands. Only a few lenders, like ( NIBC, Nationale Nederlanden, or Dynamic Credit, offer buy-to-let mortgages. For more information, please contact us.

Mortgage penalty

If you plan to switch mortgage lenders, you usually pay the prepayment penalty to your current lender. The prepayment penalty depends on: