Buying a vacation home, whether in the Netherlands or abroad, is becoming increasingly popular. Are you dreaming of a holiday home? Then, you need to talk with our mortgage specialists.
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A holiday let mortgage is specifically crafted for properties rented out as holiday accommodations. These types of properties cannot be used as primary residences.
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These mortgages have terms adjusted for the unique nature of holiday rentals, like shorter stays and potential income fluctuations. They might involve higher rates or require larger down payments. When approving these mortgages, lenders consider the property's location and rental income potential.
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Equity from the first home can be used by buyers to purchase a second house or vacation property, such as a holiday home.
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If you don't have equity in your current home, you can apply for an investment mortgage or a buy-to-let mortgage to finance a holiday home. Typically, lenders will cover up to 70% of the property's value, with you covering the rest from your savings. Additionally, there's a 10.4 % transfer tax in the Netherlands.
We specialize in holiday home mortgages, guiding you to the ideal solution whether you seek to release your equity or opt for a second mortgage. With access to 8 mortgage lenders offering investment options, we compare rates and conditions, ensuring the best possible outcome for you.
To assess your affordability, we ask that you provide documents, including employment details, savings, and information regarding your prospective holiday home. Schedule a free introductory call with our mortgage team and start your journey today.
Schedule a free introduction call with us. Our dedicated team manages your mortgage application from start to end, and we handle all communication and paperwork with banks.
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Access to a trusted network.
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Highly competitive rates and flexible terms.
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Guidance through the entire mortgage process.
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English translations of bank documents are shared.
