Buying a Home in the Netherlands? Free Expat Mortgage Consultation & Custom Report
Get complete clarity on your maximum borrowing capacity and net monthly payments. 100% independent, expat-tailored, and completely free of charge.
4.9/5 from 10,000+ expats
Where & when do you want to buy?
Why consultation slots are limited
Your mortgage possibilities deserve more than a generic online calculation. Our experienced mortgage advisors specialize in helping internationals, including those with temporary contracts, foreign income or the 30% ruling.
We reserve a limited number of consultation slots for new clients each week, so you can receive expert advice without unnecessary waiting times.
Appointments may still be available this week, allocated on a first-come, first-served basis.
Assigned based on profile eligibility and readiness.
Discover Your Mortgage Possibilities in the Netherlands
Your journey starts with a personal consultation with one of our experienced mortgage advisors. We'll take the time to understand your financial situation, employment circumstances and home-buying plans.
Based on this conversation, you'll receive a tailored Mortgage Possibilities Report, giving you a clear picture of your borrowing capacity, estimated monthly payments and mortgage options in the Netherlands.
Completely free, with no obligations.
Know Your Buying Budget
Discover how much you could borrow based on your income, employment situation and Dutch mortgage lending rules. A clear starting point for your home search.
Understand Your Monthly Costs
Get a clear overview of your estimated monthly mortgage payments, including the potential impact of Dutch mortgage interest tax deductions.
Mortgage Advice for Internationals
Benefit from our experience with the 30% ruling, temporary employment contracts, highly skilled migrant permits and income from abroad.
Be Better Prepared to Make an Offer
Understand your financing possibilities before bidding on a property. Where appropriate, we can also provide a mortgage feasibility statement to support your offer.
Explore Your Mortgage Options
As independent mortgage advisors, we work with the most important lenders in the Netherlands. We'll help you understand which lenders and mortgage conditions may best suit your situation.
Find the Right Mortgage Structure
Learn the differences between annuity, linear and interest-only mortgages, and how they could fit your monthly budget and future plans.
Know your mortgage possibilities before making an offer.
The Dutch housing market moves fast. With your personalized Mortgage Possibilities Report, you'll have a clear understanding of your borrowing capacity and estimated monthly costs, giving you the clarity and confidence to start your home-buying journey in the Netherlands.
Why Choose an Independent Expat Mortgage Advisor?
Finding the right mortgage isn't just about getting the lowest interest rate. It's about knowing which lenders will accept your situation and finding the best combination of mortgage conditions, flexibility and rates.
Did you know? Not Every Bank Has the Same Rules
Especially for internationals, mortgage acceptance criteria can differ significantly between lenders. We know which banks are open to your circumstances and help you explore your best financing options.
Start with a free personal consultation and Mortgage Possibilities Report.
How The Qualification & Advisory Process Works
From submitting your details to having your complete Dutch mortgage roadmap in hand.
Submit 60-Second Profile
Provide your target city, gross annual income (and partner’s), and nationality status in our secure intake form.
Eligibility & Feasibility Review
Our senior expat advisors check your details and eligibility within 24 hours.
Invitation to 1-on-1 Consultation
Because weekly spots are capped, eligible applicants receive an invitation link to schedule their free video or office session.
Receive Custom Possibilities Report
Walk away with clear numbers: your maximum borrowing capacity, net monthly payments and the confidence to take the next step towards buying your home in the Netherlands.
Only a few consultation spots available each week. Review completed within 24 hours.
Stories from Internationals Who Bought in NL
See how international buyers secured their Dutch dream home with independent mortgage advisory.
“I had a fantastic experience working with this mortgage advisor company while buying my first home in the Netherlands. From start to finish, they made the whole process incredibly smooth and comfortable for me.”
Anna Nikolaenko
First-time home buyer in the Netherlands
“Expat Mortgages South delivered an excellent service and was able to provide me with all the advice and assistance needed to be able to apply successfully for a mortgage and buy my own home in the Netherlands. I can definitely recommend them.”
Deonie Botha
Expat home buyer in Eindhoven
“I would highly recommend to any expat who wants a quick and professional transaction. Their service saved me a lot of time that I could otherwise have spent. The communication and preparation were smooth and clear, and they delivered as promised.”
Souad Abushameh
International home buyer
Internationals Guided
Mortgage Lenders
Consultations Available
Free & No-Obligation Intake
Frequently Asked Questions
Everything you need to know about expat mortgage rules, costs, and qualification.
Ready to discover your Dutch buying power? Apply for this week’s slots.
Fill out your basic purchase and income details in 60 seconds. Our mortgage advisors will review your eligibility and let you know within 24 hours if you qualify for a free personal consultation and possibilities report.