ING is one of the largest banks in the Netherlands and offers mortgages to people buying a home in the Dutch housing market. ING also provides dedicated information for expats buying a home in the Netherlands

For international buyers, the mortgage process can involve additional questions about income, employment, residence status, and documentation.

In many cases, expats can apply for an ING mortgage. However, approval depends on your individual financial situation and ING's current acceptance criteria.

Important factors can include:

• - Your income
• - Your employment contract
• - Your residence status
• - Your time living and working in the Netherlands
• - Existing loans
• - Your partner's financial situation
• - The property value
• - Your own funds

ING provides an English-language step-by-step guide for buying a home in the Netherlands. This covers the process from preparing your budget through to completing the purchase.

For an expat, understanding the Dutch mortgage process before making an offer can be particularly important. Your financing needs to be realistic before you commit to a property.

Different lenders interpret international income and employment situations differently.

For example, a temporary employment contract, variable remuneration, foreign assets, or a recent move to the Netherlands can influence the lenders available to you.

We compare ING with other lenders so you can make your decision based on the complete mortgage solution rather than just the headline interest rate.