Steps to getting a mortgage

Buying a home is an exciting undertaking, and here in the Netherlands, our team of experts is there to guide you through the process. You’ll receive personalized advice to help you find the best option for your needs, with all the documents provided in English. We pride ourselves on being experts on Dutch lending regulations, so if you’re unclear on anything at all, don’t hesitate to ask.

Arrange a mortgage in the Netherlands

informal meeting about mortgages for expats

1) Learn about the possibilities

We’re often asked by new residents in the Netherlands, “do I qualify for a mortgage?”, and in most instances, the answer is yes. The best place to start is by filling out our short intake form so that we can assess your financial situation. Then we’ll arrange a meeting to discuss your options and answer your questions in depth. And yes, we can even start the ball rolling before you’ve arrived in the Netherlands.

2) Let the house hunt begin

This is the fun part. After we’ve explored your options for getting a home loan in Amsterdam, it’s time to start searching for properties. In the Netherlands, buyers usually receive assistance from an estate agent who will negotiate the sale with the agent selling the home. As a Mister Mortgage customer, you’ll have access to our network of realtors, so you know you’re working with a professional you can trust. When you’ve found the home of your dreams (keep us posted!), we can also connect you with notaries, appraisers, tax advisors, contractors and anything else you need.

How to buy a house for expats
Tailor-made mortage for expats

3) Weigh up the options

You’ll receive a detailed outline of the options available and how they support your financial goals, offering advice at every stage. When you’ve reached a decision, we’ll apply for the binding offer from the lender, the bank guarantee and confirm the insurances to get your mortgage approved. As part of the process, we’ll also arrange bank accounts and any other financial services you need.

4) Become a homeowner

On the closing date of the sale, we’ll make sure everything is prepared before you sign the final documents at the notary. Ensure the home has been left in the agreed condition by the previous owners. Then it’s simply a matter of collecting your keys (and popping the champagne!).

What you need to apply

The documents required for your mortgage application depend on your personal situation. We’ve included an extensive list (pdf), so you can prepare well in advance. In general, banks require information on:

  • Clients – background, nationality, residence permits, marital status
  • Finances – income, financial obligations, assets, debts
  • Property – value, maintenance, homeowners’ associations, ground lease

After your meeting with our advisors, we’ll compile a full list of documents that’s tailored to you.

Costs of getting a mortgage

The fee calculator will give you an insight into the costs involved in securing a mortgage. Our competitive fees include our personal expertise and access to our reliable network.

Getting a second mortgage

Whether you’re interested in buying a second home, making additional payments or refinancing, we’d love to hear from you. Get in touch, or see our information for current customers.

Let’s get started! Book a no-obligation appointment with our advisors.

Contact us about the mortgage process

Would you like to schedule a meeting to talk about the mortgage process or receive a roadmap from us? Please feel free to contact us.

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