Founded in 2017 in Amsterdam, Mister Mortgage delivers personalized expat mortgage solutions across the Netherlands. Specializing in expat mortgage advisory, we understand that every international client in Amsterdam, Rotterdam, The Hague, or Utrecht faces unique financial challenges. That’s why we tailor each mortgage plan to your specific needs—whether you’re a first-time buyer or relocating within the Netherlands.
To date, Mister Mortgage has guided over 1.800 expats in securing the ideal mortgage in the Netherlands. Trust our local expertise and bespoke service to make settling in or moving to the Netherlands seamless and stress-free.
Kind regards,
Sezer Yilmaz (Founder)
Dutch mortgage underwriting is rule-based and conservative.
International income structures are often dynamic and layered.
That gap creates friction. Without the right positioning:
• Borrowing capacity may be underestimated
• Variable income may be discounted
• Documentation requests may delay your timeline
• Or approvals may come with unexpected conditions
Our role is to eliminate that friction before it arises.
• You earn above €70,000 and want to understand your real borrowing position
• You benefit from the 30% ruling and are unsure how banks interpret it
• Your income includes bonus, RSUs, or equity
• You recently relocated and lack a long-term Dutch tax history
• You are going to relocate to the Netherlands soon
• You are buying your first home in the Netherlands
• Or you are acquiring your next property and want to structure it intelligently
If that sounds familiar, you are exactly who we advise.
Behind every case is a structured internal review process. Before submission, we:
• Align your income profile with lender policy
• Validate documentation in detail
• Pre-assess potential objections
• Select the lender based on profile fit — not rate alone
This reduces last-minute surprises and increases approval probability, especially for tech professionals and highly skilled migrants.
For first-time buyers in the Netherlands, clarity is key:
• What can you realistically borrow?
• How does the 30% ruling impact capacity?
• What happens if you change employers?
For second-property buyers, the questions evolve:
• How much capital should remain liquid?
• How does this affect future flexibility?
• Does this purchase align with long-term plans?
We guide both trajectories differently, because they require different thinking.
Our clients are often:
• Senior tech professionals
• International executives
• Founders or scale-up leaders
• Dual-income expat couples
• High earners planning long-term residence
Most purchase properties between €500,000 and €1,200,000.
They value discretion, responsiveness and structured thinking over mass-market speed. If you are looking for the cheapest or fastest option, we are likely not the right fit. If you are looking for clarity and control in a foreign system, we probably are.
If you are considering buying — even if you are still early in the process — a structured assessment provides immediate clarity.
In a first consultation, we will:
• Analyse your income and residency position
• Estimate realistic borrowing capacity
• Identify risk points early
• Outline a lender strategy tailored to your profile
You will leave that conversation knowing exactly where you stand. No pressure. No obligation. Just clarity.
If you are planning to buy in the Netherlands within the next 3–12 months, now is the right moment to position your file correctly.
Engage our advisory team and we will assess your situation in detail.
