expat Archieven - Cournot Adviseurs

When buying a house in Amsterdam, or elsewhere in the Netherlands, you can consider hiring a real estate expert. We buy weekly houses and apartments for our clients. Also, we work with fixed affordable rates and we will work with you to your dream house purchase! Our real estate buying service gives you a lot of opportunities.

Buying a home or apartment is not for everyone a daily activity. Someone moves on average once every seven years. Even stronger, the move ends invariably in the top 3 of most stressful moments in a lifetime. It can, for example, uncertainty about the structural condition or a good negotiating strategy. Typically a moment where emotion can get the upper hand above the ratio.

Hire a professional Dutch real estate expert

It is a given that there will be not the best result in a stressful emotional situation. Then it is wiser to hire a professional. If you have nerves of steel and knowledge of the Dutch housing market than it is, of course, possible to itself the purchase to take care of your property. You can then just like us an enthusiastic feel at the time that a purchase continues!

The purpose of the (houses-) buyer is, of course, pleasant home for the lowest possible purchase price with as much as possible certainty. For example, clearance about “hidden defects”, the right value and legal consequences of the purchase. Many people choose therefore for the guidance of a real estate agent of our office. This represents the importance of the buyer; say but a lot of extra safety!

Hire our real estate agents to buy a house without ending up with a pig in a poke!

Save money on your purchase and use our buying service

Why would you hire us to buy your house or apartment in the Netherlands? We work on the basis of no cure no pay. This is as simple as it is effective, after all, you only pay for this service if there is a positive performance. No home purchased for any reason then you don’t own us any cost. At a fixed fee from € 1,750 euros including VAT, you can count on the following advantages of our purchase guidance:

We work independently of the seller;
No emotional attachment with the house;
Possibility to have a building inspection for € 475;
Guidance from A to Z;
No cure no pay, no purchase no cost of our real estate service;
Expert and experienced realtor;
Legal check of the property purchase agreement is prepared by us or;
We make an objection to the WOZ value;
We strive for the best outcome of making the best purchase price is made;
We work nationwide in the Netherlands.

Real estate buying service house in the Netherlands packages

Basic package	Enhanced package	Top package

⍟ Quick scan valuation property	⍟ Quick scan valuation property	⍟ Quick scan valuation property
⍟ Second viewing	⍟ Second viewing	⍟ Second viewing
⍟ Discuss purchase strategy	⍟ Discuss purchase strategy	⍟ Discuss purchase strategy
⍟ Research position seller	⍟ Research position seller	⍟ Research position seller
⍟ Legal check property	⍟ Legal check property	⍟ Legal check property
⍟ Conduct negotiation	⍟ Conduct negotiation	⍟ Conduct negotiation
⍟ Edit contract of sale	⍟ Accompany and arranging a building inspection	⍟ Accompany and arranging a building inspection
⍟ Final check notary documents	⍟ Edit contract of sale	⍟ Edit contract of sale
⍟ No cure no pay	⍟ Final check notary documents	⍟ Accompany during signing contract of sale
	⍟ Accompany during the final inspection	⍟ Final check notary documents
	⍟ Accompany at the notary at transfer date	⍟ Accompany during the final inspection
	⍟ No cure no pay	⍟ Accompany at the notary at transfer date
		⍟ Valuation with NWW validation
		⍟ No cure no pay

EUR 2,750 VAT included	EUR 3,775 VAT included	EUR 4,775 VAT included
payable at transfer date at the notary

Negotiations buying a house

Your start negotiation once the seller has responded to your offer by making a counteroffer. Or when the seller starts a tender where you can put a final offer. This means that many buyers can place their bid at one time. If this occurs the seller will choose the best offer based on terms or the highest bid. Sometimes this isn’t the highest one.

A verbal agreement about buying a house is in the Dutch system, not binding. Not for the seller or the buyer. Only a signed purchase agreement is legally binding. As a buyer, you have three working days of reflection time. In this period, you may cancel the agreement without any reason or costs. Expect for the costs of the notary if you made an agreement about their services.

Amsterdam housing market particularities

The contract of sale is set up by a notary. Real estate buying service house in the Netherlands is available for expats and foreign nationals.

10% deposit buying price

In the regular purchase agreement, you agree to put down a deposit of 10% or provide a bank guarantee for the same amount. It depends on the terms in the contract whether the seller will keep the deposit. If the bank won’t provide you a mortgage and you’ve agreed to buy with the condition subject to finance (financieringsvoorbehoud) this clause gives you the possibility to cancel the contract without a penalty.

Home buying service for expats

Buying a house in the Netherlands and especially the Randstad area (Amsterdam, The Hague, and Rotterdam) is considered to be a solid financial investment. Knowledge of the local real estate, taxes, and mortgage procedures is key to obtain a house in this area.

Our buying service provides you the following advantages :

Complete knowledge of Dutch tax laws for expats;
A wide network of building inspectors, notaries, and appraisers;
One contact person for buying the house and closing the mortgage;
We work independently and only receive fees from you.

Closing costs of buying a house

More information about the closing costs of buying a house.

Code of conduct for mortgage loans

Lending institutions such as banks and other mortgage providers are bound by a code of conduct in relation to mortgages. In Dutch, this code of conduct is known as Gedragscode Hypothecaire Financiering. The current version of the governments Code of Conduct for mortgage loans came into effect in 2011. The code of conduct applies to mortgages on primary residences only.

Dual estate agent system

In the Netherlands the seller most of the time hires an estate agent or realtor who represents the seller. The other estate agent represents the buyer. Good to know; we don’t represent sellers so we always can act independently. We always want to perform to get the best deal possible.

So be aware of the position of the seller’s broker. Their involvement is often self-serving and not in your interests. The seller pays the estate agent a commission based on the transaction price and sometimes added with a bonus.

The real estate agent isn’t paid if you cancel the contract. Be aware of this situation. It’s in their (seller and estate agent) to minimize your chance to withdraw the sale based on a finance condition.

Interested in our services? Fill out the form below and we contact you as soon as possible.

Response within 24 hours.

Often sooner.

We work nationwide

Visit at home free of charge.

All your information is 100% safe and secure.

We care about your privacy.

For having an indication of your future mortgage payments please contact us.

What is the difference between working with a bank directly and working with an independent mortgage advisor?

A bank works directly with you and only offers mortgage products from the bank itself. An independent mortgage advisor provides a complete range of mortgages of the entire market. However, your mortgage advisor also arranges mortgages from a selection of preferred lenders.

In the Dutch system, the mortgage advisor is obliged to inform you about their status. Whether they are part of a bank or have a selection of mortgage lenders and products.

In our case, we are an independent company and advise mortgages from approximately 40 lenders. We do not accept fees from lenders and work exclusively on the principle of neutrality and independence. We work nationwide.

Can I get pre-qualified for a mortgage?

The system for mortgages in the Netherlands is not designed for pre-qualification. However, our mortgage advisors can perform a quick scan regarding your mortgage application. In this part of the process, you provide us with the following information: your name, current address, date of birth, income, and assets, and other property owned.

We can also authorize a credit check, which is the only outside source of information that is checked at this point in the process.

With this information, you are better prepared to buy a house. If you plan viewings for houses you do not have to provide this information to the real estate broker.

Which is better—an adjustable-rate mortgage or a fixed-rate mortgage?

This depends on your budget and how long you think you’re going to live there. If you knew you were going to move within five years, you might want to take an adjustable interest rate. On the other hand, you might not.

Five years go by quickly. The market could change and you might be in a different financial situation.

Can I take cash out when I refinance?

If it is your primary residence, most lenders will allow you to take cash out (subject to your bank’s approval) for any reason, such as renovation, debt consolidation, college tuition, or the purchase of a second home.

Lending guidelines and rates will differ from lender to lender.

How much are closing costs?

In the Netherlands for buying an existing house, you need to calculate approximately 5% of closing costs.

With this calculator you will have a good impression of the real closing costs for buying a house in the Netherlands.

Am I allowed to make partial repayments of capital or increase my monthly repayments if I wish to repay the mortgage earlier?

Ask what conditions will apply if you wish to pay off part of the mortgage or accelerate your repayments.

Are there any penalties for repaying the mortgage early?

That depends on several factors. If the interest rate of your current contract is higher than the market interest rate there is a good chance you have to pay a penalty. In most cases, this penalty is tax-deductible.

Will you be able to assist me in the future?

It is very likely that you will want to assess the performance of your mortgage every few years. It may be that the amount you are paying back increases down the line, or it could transpire that, since taking out your initial mortgage, a better option has become available. Your mortgage will continue to play a significant role in your finances for decades, so setting up regular appointments with a trusted professional could benefit you greatly.

Is there an arrangement fee to pay and if so will I get this back if my application does not proceed?

We provide your mortgage advice on a no cure no pay base. We only charge you the fee at the same moment as your mortgage will be provided by the lender.

Response within 24 hours.

Often sooner.

We work nationwide

Visit at home free of charge.

All your information is 100% safe and secure.

We care about your privacy.

For having an indication of your future mortgage payments please contact us.

expat mortgage advisor netherlands questions

Hypotheek afsluiten medewerker Shell buitenlands inkomen

Door Cournot op juli 14, 2020 in expat-mortage, hypotheek

Bent u als medewerker van Shell uitgezonden en wenst u in Nederland een hypotheek af te sluiten? Met een buitenlands inkomen is het ook mogelijk om een hypotheek af te sluiten.

Tweede woning aankopen

Wenst u vanuit uw ‘host country’ een woning in Nederland aan te schaffen en hiervoor een hypotheek af te sluiten dan kunnen wij u goed van dienst zijn. De uitdagingen waar u tijdens het aanvragen van een hypotheek tegenaan loopt zijn de volgende:

Uw inkomen is (deels) in een lokale valuta en niet in euro’s;
Welke inkomensbestanddelen vanuit uw IBAS-voorwaarden mogen worden meegenomen in het toetsinkomen;
Het woonland staat op een sanctielijst waardoor een hypotheek afsluiten onmogelijk is.

Als financieel adviseur hebben wij goede ervaringen met het verzorgen van een hypotheek vanuit uw woonland. Ook zijn wij bekend met de specifieke situaties rondom uitzending vanuit uw werkgever en kunnen om die reden slagvaardig een hypotheekaanvraag opzetten.

Voorwaarden

Indien u een woning wenst aan te kopen voor eigen gebruik na terugkeer van uw uitzending is een hypotheek tot 100% van de marktwaarde mogelijk. In de meeste gevallen is de vraag voor een hypotheek gericht op het aanschaffen van een tweede woning. In die situaties dient u minimaal circa 18% aan eigen geld te kunnen inbrengen.

Benodigde documenten

Om een goede inschatting te kunnen maken van de mogelijkheden hebben we de volgende documenten nodig:

Arbeidsovereenkomst (LTIA Employment Contract);
Werkgeversverklaring dan wel income statement.

Inkomensbestanddelen

Zodra u bent uitgezonden kunt u te maken krijgen met diverse looncomponenten. Wij zijn bekend met de waardering door geldverstrekkers van de diverse IBAS looncomponenten. U kunt hierbij denken aan de volgende onderdelen:

Discretionary expenditure and savings (DES);
Basic expatriate allowance;
Location allowance;
Housing allowance;
Pension fund deduction.
Utilities;
Local spendable income (LSI).

Welke woonlanden zijn toegestaan

In principe dient ieder dossier afzonderlijk en op basis van maatwerk te worden behandeld. Het woonland is hierbij ondergeschikt. Er zijn geldverstrekkers (bijvoorbeeld ABN Amro) die een landenlijst hebben waardoor het niet vanuit ieder land mogelijk is een hypotheek af te sluiten.

Notarisservice

Om daadwerkelijk gebruik te maken van de hypotheek dient een akte gepasseerd te worden. Vanwege uw reisschema kan het misschien onhandig zijn om meerdere keren richting Nederland te vliegen. Al in een vroeg stadium van de hypotheekaanvraag kunnen wij een notarisafspraak opzetten zodat u slechts éénmalig een volmacht hoeft te ondertekenen. De notaris is op 20 reisminuten vanaf Schiphol gevestigd waardoor dit goed te combineren is.

Wij kunnen u ook begeleiden in dit deel van het proces, en proberen de procedure zo efficiënt mogelijk te laten verlopen.

Vertel ons uw verhaal

Wenst u als medewerker van Shell advies over het kopen van een (tweede) woning en een hypotheek in Nederland afsluiten, dan horen we u graag. Een afspraak is zo opgezet. Ook via de telefoon en via advies op afstand.

Reactie binnen 24 uur

Meestal al eerder.

Deskundig en eerlijk advies.

Op basis van vaste prijzen en no cure no pay. Hoge klantwaardering.

Uw gegevens 100% veilig.

Wij respecteren uw privacy.

Video uitleg hypotheek met buitenlands inkomen

expat hypotheek Nederland shell

Mortgage for expat buying house the Netherlands with advice

Door Cournot op mei 8, 2019 in expat-mortage, hypotheek

Free consultation?

Expat mortgage Netherlands

Buying a house in the Netherlands and need for a mortgage? We’re specialists in expat mortgages and can find the best Dutch mortgage for you, hassle-free.

Expat financial advisor

Evening appointments? No problem at all. We understand that you have a busy life. You can call, e-mail, Whatsapp us seven days a week between 8:30 am and 9 pm for financial advice or real estate services for your new house. We can discuss how much you can borrow and find the best mortgage solution for your dream house.

We understand your specific needs and have a good track record. Also we are familiair with the specifics regarding the 30% ruling.

Experience of Lin with our mortgage and buying serice

The advisor is very professional and very efficient. We have met 3 agents before him and we’re not so happy about them, a friend of ours recommended him to us. Since then it has been a very pleasant and smooth journey. He is also very proactive in helping us to find a good house. In the end, it saved us money and time. Highly recommended. | Read the review on Advieskeuze.nl

Experience of a client

Excellent, quick and efficient service, very knowledgable. They were available to answer all questions, and got us a very good rate. | Read the review on Advieskeuze.nl

Expat mortgage the Netherlands

As experts in expat mortgages and Dutchmen, we all know that the Dutch property landscape is one of the strangest in the world. Most Dutchmen have a strong desire to own their own home. About 60% of the people posses their own home. Then there is the fiscal phenomenon ‘hypotheekrenteaftrek’ (tax deductible interest).

Mortgage rate

The mortgage rate operated by the bank depends on:

The period for which the interest rate is fixed. In this time, how long the time the rate is fixed the higher the interest rate is. It’s also to choose for a mortgage without a fixed rate;
The ratio between the value under foreclosure and the amount of the mortgage loan. The interest margin required by the bank to cover the risk increases in keeping with the percentage of that ratio.

During the crisis certain parts of the country are stagnating in terms of pricing, other areas have seen prices fall. There is still a shortage of housing in most of the large cities such as Amsterdam or The Hague. For some people it’s about securing a future place to live whilst prices are stable, for others it’s a good investment or it’s about buying property in a nation where they understand the process and know that a property owner’s rights are strongly upheld by law.

Expat mortgages special solutions

Whatever reasons you may have for considering the purchase of a house in the Netherlands, the good news is that there are mortgage providers willing to offer expats mortgages. The bad news is that many providers don’t even advertise the fact! More good news: we can assist you by obtaining a mortgage.

Expats package deal?

With our expat package deal, you get your own personal real estate agent who will guide you smoothly through the process of purchasing a house. We will attend the visiting properties you’re interested in and research the house for the conditions of the house, local development plans and more of that is all correct. Our real estate agent will help you make sure everyone else involved in the transaction is doing their job.

What you get with this package deal:

Visits property where you want to make a bid for;
Checks local development plans;
Checks property condition;
Checks leasehold;
Checks environmental issues;
Checks owners association;
Conducts negotiations;
Checks purchase contract conditions;
Checks the notary deeds and final invoice;
Accompanies you to the notary.

Personal mortgage advisor

When you want to apply for a mortgage in the Netherlands, we will assist you during this process of a mortgage application. With a personal mortgage advisor, you can get a few things sorted out such as advice on which mortgage suits your situation best and what sort of insurances you need. But also, a final check if all the paperwork is filled in correctly before heading to the notary. What you get with this package deal:

Investigate your possibilities in getting a mortgage;
Compare all mortgage providers on conditions, products and interest rates;
Advice which mortgage is the best for you;
Mortgage application at any mortgage lender in the Netherlands;
Advice and application of life insurance;
Application for your monthly tax return in the first year of your mortgage;
Application of housing insurances;
Checking notary documents before you sign the owner’s deed and mortgage deed;
Guidance with tax application.

The fixed fee for this package deal is € 4.500 and is tax deductible! The rate after tax refund is approximately € 2.273.

Expat mortgage process

If you’re interested in our services, we charge you fixed fees for our services. Our first meeting is always free of charge an can take place at your home or workplace, also in the evening hours. We work independent and nationwide and have offices in Amsterdam, The Hague, Rotterdam and Breda (Zevenbergen). Our real estate agents can assist you by buying property in the Netherlands. You can request a meeting by sharing your details below, or you may reach us at 0031-168-327702.

We also work independent from financial providers and our financial advisors provide you with personal tailored mortgage advice.

During our first meeting we will ask you to inform us about the following information :

Contact information;
Basic details about the property requiring finance including your required mortgage amount and amount of deposit;
A copy of your passport and a utility bill for your main residence;
Bank statements of the last three months of the bank account where your salary is paid;
The most recent 3 months’ paychecks, alternatively, an employer’s confirmation of income (werkgeversverklaring) or copies of your accounts from a verifiable accountancy firm if you’re self-employed.

As you can imagine, each application is then assessed on its personal merit, and those who lend to expats are aware that it’s not always straightforward to provide seemingly the most basic of information.

Don’t be put off, there is finance available, and the Dutch property market can make a safe bet when approached in a cautious and calculating manner.

Closing costs of buying a house in the Netherlands

What are the costs involved with buying a house in the Netherlands? With this tool, you can get an indication of the closing costs of buying a house or apartment.

Our service

We will find you the most appropriate mortgage provider in the market for your mortgage requirements;
We will present a proposal in a concise and appropriate format to maximise its approval possibilities;
To use our negotiation skills with the mortgage provider to ensure you receive the best terms available;
Tax deduction applications;
LTV (Loan To Value) 100%;
We provide you with all the necessary assistance to purchase, including Dutch tax matters;
Our fee is tax deductible and in most cases VAT-free;
Most important: No cure no pay;
We will accompany you at the appointment with the notary.

How will the mortgage interest in the Netherlands develop in 2018?

Is it wise to extend or adjust your mortgage now, because of the low interest rates? Or is it better to wait?

Will interest rates remain low?

You should benefit as much as possible from low mortgage rates. But how long can you extend your current mortgage and enjoy a low monthly amount? Have you recently bought a house, then you have already benefited considerably from the low mortgage rates. But if your mortgage has been running for ten or twenty years, it is a different story.

How long does this interest rate last?

If we knew it, we would tell you right away of course. Still, we can assume that interest rates will remain low because the European Central Bank runs a stimulation program called QE which provides a lot of money in the economy. This program quits by the end of 2019. Because the economy is growing considerably, the expectation is that interest will only start to rise from the summer of 2019. The mortgage rates will follow the financial markets.

Actual interest rates (May 22, 2019)

Finance with National Mortgage Guarantee (in Dutch NHG)

The Dutch National Mortgage Guarantee (NHG) scheme is unique in Europe. It helps you take out a mortgage that is guaranteed by the Dutch government and gives you an interest discount. This discount can be up to 0,5%!

And if you do run into problems meeting your mortgage payments due to circumstances beyond your control, the National Mortgage Guarantee may provide a safety net for you and your mortgage lender.

When you take out an NHG-backed mortgage, you know for sure that your mortgage matches your income. That’s because your mortgage meets the criteria for responsible lending and borrowing set by the National Institute for Family Finance in the Netherlands (NIBUD). So you know for sure that you’re not borrowing more than you can afford. After making the monthly mortgage payment you’ll still have money left for other expenses like groceries, insurance and your savings account.

Safety net if you can no longer pay your mortgage

If you have an NHG-backed mortgage and can no longer pay your mortgage due to specific circumstances beyond your control, you and your mortgage lender can turn to us for support.

The specific circumstances under which NHG comes into operation are:

if you lose your job;
if your relationship ends;
if you become disabled for work;
if your partner dies.

The National Mortgage Guarantee is referred to in Dutch as ‘NHG’ or ‘Nationale Hypotheek Garantie’ (NHG). The maximum mortgage with NHG is € 290.000. Other conditions of this program.

Have a question?

For having an indication of your future mortgage payments please contact us.

Hassle free all the way.

We deal with banks on your behalf, all the way through until 100% completion.

Expert advice you can trust.

Best services are guaranteed for you.

Response within 24 hours

Often sooner.

Video mortgage advice explained

advice advisor expat financial mortage

Mortgage advice The Hague for buying a house or refinancing?

Door Cournot op mei 6, 2019 in mortgage

Book a free 60 minutes consultation

Our dedicated mortgage advisors in The Hague can help you make sure you never pay more than you need to for your mortgage.

Buying a house for the first time in The Hague as an expat

With help from our office, we can make the complete mortgage process as clear and uncomplicated as possible. Buying your first home in The Hague as an expat can be a very exciting time, but there is also a lot to learn. Our financial advice covers a wide range of tips and guidance for first time buyers; such as how to save for your mortgage.

Our office specializes in independent mortgage and insurance advice. We offer a comprehensive range of mortgage products from across the market and provide services for expats for buying a house for affordable fixed fees:

Home inspection / structural survey service for your new house;
Screening of your purchase agreement;
Home buying service.

What can you expect from our mortgage services?

We are committed to providing an excellent level of service. Many of our clients come from abroad. Recommendations to friends, family and colleagues and can be anywhere in The Hague. We work nationwide and therefore we provide mortgage advice over the phone, by e-mail or in person.

It is also possible to have some kind of pre-approval if you are house hunting and already have the necessary documents handy.

Experience of Lin with our mortgage and buying serice

The advisor is very professional and very efficient. We have met 3 agents before him and we’re not so happy about them, a friend of ours recommended him to us. Since then it has been a very pleasant and smooth journey. He is also very proactive in helping us to find a good house. In the end, it saved us money and time. Highly recommended. | Read the review on Advieskeuze.nl

Experience of a client

Excellent, quick and efficient service, very knowledgable. They were available to answer all questions, and got us a very good rate. | Read the review on Advieskeuze.nl

How to save time in the mortgage process?

To get a head-start in buying your house you can gather all your documents. If you have most of the necessary documents complete it will save yourself a great amount of time.

The documents you need to collect will detail the following points :

Information about your earnings (copy salary slip and employer’s statement);
Copy of your passport and residence card;
Information about your debt and assets;
Homeownership history in the Netherlands.

Independent mortgage advice

First of all you can expect independent and honest mortgage advise from us. This, more concretely, means that we have access to almost all mortgage lenders active in the Netherlands. We also have a partnership with foreign mortgage lenders. Besides, you have a legislator on your side who protects you.

Namely, we are required to have a license and there is an independent financial supervisor.

You can prepare the meeting with our mortgage advisors by calling in your employer’s statement.

Need mortgage advice in The Hague? We are glad to assist you!

Want to live in the wonderful famous Dutch city of The Hague? Not surprising of course, because there is so much to see and do in The Hague. For instance the impressive Rijksmuseum or the beautiful canals. Perhaps you need to adjust to the overwhelming presence of bikes!

Are you looking for a home to buy in this bright city, or have you already signed a contract for a house and do you need mortgage advice? We are happy to serve you with specialized mortgage advice.

Our highly educated mortgage advisors will give you more than appropriate mortgage advice in The Hague. We love The Hague as well. Book an initial, free of charge, telephone consultation with one of our mortgage advisors right now!

The housing market in The Hague

The housing market is going through extraordinary times in The Hague. A house with a garden is becoming scarce and the prices are going through the roof. Without guidance is it very hard to get hold of a house in the capital city of the Netherlands.

The Hague, with its beautiful Binnenhof and beach of Scheveningen, has a lasting appeal on a large group of people. Expats often choose to live in The Hague compared to other cities because of its favorable establishment environment.

There are some typical characteristics worth noticing in the housing market of The Hague:

Some of the ground belongs to the municipality and you have it on a long lease. In short, this means you pay a reimbursement to the local authorities;
A lot of the apartments have an owners’ association;
There is a unique mannerism to bid on a house in The Hague.

Mortgage advice on making an offer with or without ‘subject to finance’ in The Hague

Any person currently looking for a home to buy in The Hague knows that offers are frequently made without a resolutive condition. Also known as a finance clause. This clause gives you time to organize a mortgage for your new house.

Making an offer without this condition can cause a big risk. Because what happens if the bank refuses your mortgage application?

As this happens, you may then have to pay 10% of the purchase price as a penalty and the real cost of damage. Are you willing to take this risk? We can explain to you alternative solutions to have the best bid and buying without this expensive risk.

Also, we can help you with have a sort of pre-approval mortgage application.

Code of conduct for mortgage loans

Lending institutions such as banks and other mortgage providers are bound by a code of conduct in relation to mortgages. In Dutch this code of conduct is known as Gedragscode Hypothecaire Financiering. The current version of the governments Code of Conduct for mortgage loans came into effect in 2011. The code of conduct applies to mortgages on primary residences only.

Should I keep renting or buy a property in the Netherlands?

In the five years following on the end of the financial crisis, property prices in the Netherlands plummeted more than fifteen percent and left many homebuyers with mortgages that exceeded the value of their Dutch property. However, the Dutch housing market upswing that started mid-2013 is predicted to continue through 2018, as the Dutch economy and consumer confidence improve and interest rates remain at a historical low point.

These conditions have turned the Dutch housing market into a buyer’s market – particularly for first-time homebuyers – and increased local and foreign investment is pushing property prices back up again.

In contrast, rental prices remained relatively stable over the same period, and are showing significant growth as the economy recovers; in 2015, for example, housing experts said rental prices doubled in the main cities of Amsterdam, The Hague, Utrecht, Rotterdam, and Groningen.

Rental housing platform Pararius recorded the average rental price in the Netherlands in 2016 at around € 1,365 a month but in Amsterdam, the average was € 2,200 per month, while in Rotterdam the average was around € 1,200 and in The Hague € 1,500. One main cause is the short rental supply in the private sector, which accounts for only some 5 percent of total housing stock, with the remaining rental stock classified under the social housing sector, which has long waiting lists and restricted to those on high salaries. Read more about renting in the Netherlands.

In comparison, as a result of low interest rates, in some cases, it is possible to secure a mortgage lower than the average rental prices. However, costs associated with buying property in the Netherlands total around 4-5 percent of the purchase price, thus buying Dutch property is more suitable for long-term investments, at least a minimum of five years. Based on the current price increase on the Dutch housing market it goes faster.

Can I get a mortgage in the Netherlands?

Of course! There are no legal restrictions for non-Dutch citizens buying Dutch property or applying for a Dutch mortgage. However, if you are relatively new to a job or area, self-employed, on a low income or of a non-EU nationality, these may result in stricter lending criteria and can become a bumpy road. This can result in a lower maximum Loan To Value (LTV). This is the ratio between the value of the house and the mortgage expressed in a percentage.

Each bank has different requirements, but in general, if you are from a country within the EU it helps a lot to apply for a mortgage. They will probably expect you to have a valid passport, have lived in the Netherlands for at least six months, have a citizen service number (BSN) and have permanent employment in the Netherlands.

It also depends on the status of your residence card. We can inform you during a personal meeting about the possibilities.

You may need to pay a deposit and be limited to a maximum mortgage of 90 percent of the property value, although the Dutch bank does allow mortgages of the full value of a property.

Regardless of nationality, if you are employed you will need to show proof of income and a statement from your employer (werkgeversverklaring) with details of your contract and salary. Temporary workers and university researchers/Ph.D. students will need statements from their employers/universities confirming their position. Self-employed people need to supply the last three years’ income tax returns and accounts.

As from 1 January 2013 the rules for mortgage loans are changed

If you live in a house that you own, you have an owner-occupied home. If you are a qualifying non-resident taxpayer, you may deduct the interest on your mortgage or loan for this house.

Did you buy an owner-occupied home after 1 January 2013? Or did you increase your mortgage or loan after 1 January 2013? Or is your mortgage or loan higher now than in 2012, because you bought a more expensive house? In that case, you will be dealing with new rules for the deduction of your (mortgage) interest.

On 1 January 2013, the rules on the deduction of interest on the home acquisition debt (mortgage interest deduction) were changed. For any new loans, you may only deduct the interest if you repay the loan in monthly installments. If you already had a home acquisition debt before 1 January 2013, you may continue deducting the interest on this debt and you are not obliged to repay.

When are you obliged to repay?

In order to be allowed to deduct the interest, you are obliged to repay the loan in the following situations:

You take out a mortgage or loan for the first time;
You increase your existing mortgage or loan, for example for a refurbishment;
If you already had a home acquisition debt on 31 December 2012, the repayment obligation will only apply to the additional amount you borrow;
You must repay the loan on an annuity basis or by equal amounts in no more than 360 months (30 years). In both cases, you will pay a fixed monthly amount consisting of interest and repayment. You are entitled to interest deduction in both cases.

Why use a mortgage advisor? – Pros & Cons

As a go-between for borrowers and lenders, mortgage advisors can be very useful if you aren’t confident in your understanding of finance or mortgaging. Hiring an advisor can be an excellent way of finding the best value home loan given your personal circumstances – just make sure you select your advisor carefully!

For some people, using a mortgage advisor can be a great move for your financial situation, but carefully consider the pros and cons and check that the advisor you choose has the qualifications and experience necessary to find you the best product they can.

Pros of using a mortgage advisor

A mortgage advisor can potentially be an invaluable resource for those with a poor understanding of the finance and mortgage industry or their own financial affairs;
An advisor may be able to find you a mortgage that’s better for your individual situation and affairs;
If you don’t have the time to do the extensive research required to properly assess the variety of home loan products available to you, a mortgage advisor can do this for you (within the panel of products they sell).

Cons of using a mortgage advisor

Mortgage advisors with a small product range of lenders are not wise to choose. This may not give you a fair idea of the range of products that are suitable for you;
Educational qualifications and industry experience can differ widely between advisors, so make sure to inquire about this before you engage the services of any mortgage advisor.

Response within 24 hours.

Often sooner.

We work nationwide

Visit at home free of charge.

All your information is 100% safe and secure.

We care about your privacy.

For having an indication of your future mortgage payments please contact us.

Video ABN Amro expat desk

Current mortgage rates

advice advisor expat mortgage the hague

Mortgage advice Eindhoven for expat buying your first house?

Door Cournot op mei 4, 2019 in mortgage

Our mortgage advisors in Eindhoven can help you find the best mortgage solution and make sure you never pay more than you need to for your mortgage. Mortgage advice Eindhoven for your future home and hassle free!

Buying a house for the first time in Eindhoven as an expat

With help from our office, we can make the complete mortgage process as clear and uncomplicated as possible. Buying your first home in Eindhoven or the Netherlands can be a very exciting time, but there is also a lot to learn. Our financial advice covers a wide range of tips and guidance for first time buyers; such as how to save for your mortgage.

Our firm specializes in independent mortgage and insurance advice. We offer a comprehensive range of mortgage products from across the market and provide services for expats for buying a house for affordable fixed fees:

Home inspection / structural survey service for your new house;
Screening of your purchase agreement;
Home buying service.

What can you expect from our mortgage services?

We are committed to provide an excellent level of service. Many of our clients come from abroad. Recommendations to friends, family and colleagues and can be anywhere in Eindhoven. We work nationwide and therefore we provide mortgage advice over the phone, by e-mail or in person.

Experience of Lin with our mortgage and buying serice

The advisor is very professional and very efficient. We have met 3 agents before him and we’re not so happy about them, a friend of ours recommended him to us. Since then it has been a very pleasant and smooth journey. He is also very proactive in helping us to find a good house. In the end, it saved us money and time. Highly recommended. | Read the review on Advieskeuze.nl

Experience of a client

Excellent, quick and efficient service, very knowledgable. They were available to answer all questions, and got us a very good rate. | Read the review on Advieskeuze.nl

Independent mortgage advice

First of all you can expect independent and honest mortgage advise from us. This, more concretely, means that we have access to almost all mortgage lenders active in the Netherlands. We also have a partnership with foreign mortgage lenders. Besides, you have a legislator on your side who protects you.

Namely, we are required to have a license and there is an independent financial supervisor.

You can prepare the meeting with our mortgage advisors by calling in your employer’s statement.

The housing market in Eindhoven

The housing market is going through extraordinary times in Eindhoven. A house with a garden is becoming scarce and the prices are going through the roof. Without guidance is it very hard to get hold of a house in the capital city of the Netherlands.

Eindhoven, with it is industrial heritage, has a lasting appeal on a large group of people. Expats often choose to live in Eindhoven compared to other cities because of its favorable establishment environment. Also, Eindhoven is called the Silicon Valley of the Netherlands.

There are some typical characteristics worth noticing in the housing market of Eindhoven:

A lot of the apartments have an owners’ association.
There is a unique mannerism to bid on a house in Eindhoven.

Should I keep renting or buy a property in the Eindhoven area?

In the five years following on the end of the financial crisis, property prices in the Netherlands plummeted more than fifteen percent and left many homebuyers with mortgages that exceeded the value of their Dutch property. However, the Dutch housing market upswing that started mid-2013 is predicted to continue through 2018, as the Dutch economy and consumer confidence improve and interest rates remain at a historical low point.

These conditions have turned the Dutch housing market into a buyer’s market – particularly for first-time homebuyers – and increased local and foreign investment is pushing property prices back up again.

In contrast, rental prices remained relatively stable over the same period, and are showing significant growth as the economy recovers; in 2015, for example, housing experts said rental prices doubled in the main cities of Eindhoven, The Hague, Utrecht, Rotterdam, and Groningen.

Rental housing platform Pararius recorded the average rental price in the Netherlands in 2016 at around € 1,365 a month but in Eindhoven the average was € 1,650 per month, while in Rotterdam the average was around € 1,200 and in The Hague € 1,500. One main cause is the short rental supply in the private sector, which accounts for only some 5 percent of total housing stock, with the remaining rental stock classified under the social housing sector, which has long waiting lists and restricted to those on high salaries. Read more about renting in the Netherlands.

In comparison, as a result of low interest rates, in some cases, it is possible to secure a mortgage lower than the average rental prices. However, costs associated with buying property in the Netherlands total around 4-5 percent of the purchase price, thus buying Dutch property is more suitable for long-term investments, at least a minimum of five years. Based on the current price increase on the Dutch housing market it goes faster.

Can I get a mortgage in the Netherlands?

Of course! There are no legal restrictions for non-Dutch citizens buying Dutch property or applying for a Dutch mortgage. However, if you are relatively new to a job or area, self-employed, on a low income or of a non-EU nationality, these may result in stricter lending criteria and can become a bumpy road. This can result in a lower maximum Loan To Value (LTV). This is the ratio between the value of the house and the mortgage expressed in a percentage.

Each bank has different requirements, but in general, if you are from a country within the EU it helps a lot to apply for a mortgage. They will probably expect you to have a valid passport, have lived in the Netherlands for at least six months, have a citizen service number (BSN) and have permanent employment in the Netherlands.

You may need to pay a deposit and be limited to a maximum mortgage of 90 percent of the property value, although the Dutch bank does allow mortgages of the full value of a property.

Regardless of nationality, if you are employed you will need to show proof of income and a statement from your employer (werkgeversverklaring) with details of your contract and salary. Temporary workers and university researchers/Ph.D. students will need statements from their employers/universities confirming their position. Self-employed people need to supply the last three years’ income tax returns and accounts.

Large companies Eindhoven area

We help all expats in the Eindhoven region. The larger employers for expats in the Eindhoven region are ASML and Philips.

As from 1 January 2013 the rules for mortgage loans are changed

If you live in a house that you own, you have an owner-occupied home. If you are a qualifying non-resident taxpayer, you may deduct the interest on your mortgage or loan for this house.

Did you buy an owner-occupied home after 1 January 2013? Or did you increase your mortgage or loan after 1 January 2013? Or is your mortgage or loan higher now than in 2012, because you bought a more expensive house? In that case, you will be dealing with new rules for the deduction of your (mortgage) interest.

On 1 January 2013, the rules on the deduction of interest on the home acquisition debt (mortgage interest deduction) were changed. For any new loans, you may only deduct the interest if you repay the loan in monthly installments. If you already had a home acquisition debt before 1 January 2013, you may continue deducting the interest on this debt and you are not obliged to repay.

Taking out a mortgage as an entrepreneur in Eindhoven

Starting a business or already having a business and buying a house in Eindhoven? They are two of the biggest things you can do in life – but do buying a home and starting a business go hand-in-hand?

For many new business owners, the prospect of securing a mortgage fills them with dread. Judging by the number of client inquiries we receive many still fear that a freshly-formed business will, in the eyes of lenders’ underwriters, disqualify them from mortgage eligibility.

On the flip side, many would-be business owners are forced to prioritize, preferring to defer their career ambitions, to secure their family home first. Only returning to their business dreams, sometimes years, later.

But the anxiety around the implications of starting a business on your mortgage eligibility doesn’t need to be so thorny.

It’s getting easier to get a mortgage as an entrepreneur

True, historically, securing a home has been less straightforward for the self-employed than for employees. But, while in years gone by many lenders have shut up shop when approached by fledgling entrepreneurs, I have good news as most have now relaxed their rules.

More specifically, whilst lenders all used to operate different criteria when it comes to assessing mortgage applications, many have now standardized the way they judge affordability. And the pool of lenders and products available to business owners is growing all the time.

So, don’t worry – just like for your salaried friends, as long as your finances are fundamentally sound the chances are that you will get a mortgage.

How to navigate the mortgage application process if you’re a business owner

Many new business owners stress that mortgage lenders will require three years’ of good accounts against which to judge an application. Yet, whilst three years typically remains the period underwriters tend to look back on, the focus of their energies has changed.

Rather than dive into your company accounts, most lenders also want to see your personal tax calculation. That means, just like employees, you need to show lenders proof of earnings after and before tax.

Remember, your lender is also interested in the health of your business – as long as you can demonstrate a viable flow of cash – whether in dividends or salary – to your personal finances.

Plan your business finances

This doesn’t mean, however, that, when you want to buy a house you can embark on a new business with impunity.

Yes, there are fewer technical hurdles to securing a mortgage but you must nevertheless consider the impact of starting a business on your underlying finances.

You want to avoid getting into a situation where you are forced to defend your business plan or attempt to justify first-year set-up costs as one-off as this could cause delays to the whole process.

When are you obliged to repay your mortgage?

In order to be allowed to deduct the interest, you are obliged to repay the loan in the following situations:

You take out a mortgage or loan for the first time;
You increase your existing mortgage or loan, for example for a refurbishment;
If you already had a home acquisition debt on 31 December 2012, the repayment obligation will only apply to the additional amount you borrow;
You must repay the loan on an annuity basis or by equal amounts in no more than 360 months (30 years). In both cases, you will pay a fixed monthly amount consisting of interest and repayment. You are entitled to interest deduction in both cases.

Have a question?

For having an indication of your future mortgage payments please contact us.

Response within 24 hours.

Often sooner.

We work nationwide

Visit at home free of charge.

All your information is 100% safe and secure.

We care about your privacy.

Video ABN Amro expat desk

Current mortgage rates

advice eindhoven expat mortgage

Mortgage advice Utrecht for expats buying a house

Door Cournot op augustus 26, 2018 in mortgage

Free consultation?

Our mortgage advisors in Utrecht can help you make sure you never pay more than you need to for your mortgage.

Cournot Adviseurs offers a unique blend of low interest rates and elite customer service. We strive to offer each client the best service possible.

The entire mortgage process can be handled online, in person, over-the-phone, or using a combination of other digital mediums. We provide each client completely bespoke mortgage advice tailored to your particular needs and circumstances.

Buying a house for the first time in Utrecht

With help from our firm, we can make the complete mortgage process as clear and uncomplicated as possible. Buying your first home in Utrecht or the Netherlands can be a very exciting time, but there is also a lot to learn. Our financial advice covers a wide range of tips and guidance for first time buyers; such as how to save for your mortgage.

Our firm specializes in independent mortgage and insurance advice. We offer a comprehensive range of mortgage products from across the market and provide services for expats for buying a house for affordable fixed fees:

Home inspection / structural survey service for your new house;
Screening of your purchase agreement;
Home buying service.

What can you expect from our mortgage services?

We are committed to providing an excellent level of service. Many of our clients come from abroad. Recommendations to friends, family, and colleagues and can be anywhere in Utrecht. We work nationwide and therefore we provide mortgage advice over the phone, by e-mail or in person.

Independent mortgage advice

First of all, you can expect independent and honest mortgage advise from us. This, more concretely, means that we have access to almost all mortgage lenders active in the Netherlands. We also have a partnership with foreign mortgage lenders. Besides, you have a legislator on your side who protects you.

Namely, we are required to have a license and there is an independent financial supervisor.

You can prepare the meeting with our mortgage advisors by calling in your employer’s statement.

Need mortgage advice in Utrecht? We are glad to assist you!

Want to live in the wonderful famous Dutch city of Utrecht? Not surprising of course, because there is so much to see and do in Utrecht. For instance the large Euromast or the beautiful Erasmusbrug. Want to have a look in the impressive harbor of Utrecht? Take a harbor tour with Spido to see it yourself.

Are you looking for a home to buy in this bright city, or have you already signed a contract for a house and do you need mortgage advice? We are happy to serve you with specialized mortgage advice.

Our highly educated mortgage advisors will give you more than appropriate mortgage advice in Utrecht. We love Utrecht as well. Book an initial, free of charge, telephone consultation with one of our mortgage advisors right now!

The housing market in Utrecht

The housing market is going through extraordinary times in Utrecht. Especially within the center area, it is difficult to find a home. Without guidance is it very hard to get hold of a house in the city with the only magnificent skyline of the Netherlands.

Utrecht, with its extraordinary port, has a lasting appeal on a large group of people. Expats often choose to live in Utrecht compared to other cities because of its no-nonsense mentality of its residents.

There are some typical characteristics worth noticing in the housing market of Utrecht:

Some of the ground belongs to the municipality and you have it on a long lease. In short, this means you pay a reimbursement to the local authorities.
A lot of the apartments have an owners’ association.

Mortgage advice on making an offer with or without ‘subject to finance’ in Utrecht

Any person currently looking for a home to buy in Utrecht knows that offers are frequently made without a resolutive condition. Also known as a finance clause. This clause gives you time to organize a mortgage for your new house.

Making an offer without this condition can cause a big risk. Because what happens if the bank refuses your mortgage application?

As this happens, you may then have to pay 10% of the purchase price as a penalty and the real cost of damage. Are you willing to take this risk? We can explain to you alternative solutions to have the best bid and buying without this expensive risk.

Also, we can help you with have a sort of pre-approval mortgage application.

Should I keep renting or buy a property in the Netherlands?

In the five years following on the end of the financial crisis, property prices in the Netherlands plummeted more than fifteen percent and left many homebuyers with mortgages that exceeded the value of their Dutch property. However, the Dutch housing market upswing that started mid-2013 is predicted to continue through 2018, as the Dutch economy and consumer confidence improve and interest rates remain at a historical low point.

These conditions have turned the Dutch housing market into a buyer’s market – particularly for first-time homebuyers – and increased local and foreign investment is pushing property prices back up again.

In contrast, rental prices remained relatively stable over the same period, and are showing significant growth as the economy recovers; in 2015, for example, housing experts said rental prices doubled in the main cities of Amsterdam, The Hague, Utrecht, Rotterdam, and Groningen.

Rental housing platform Pararius recorded the average rental price in the Netherlands in 2016 at around € 1,365 a month but in Amsterdam, the average was € 2,200 per month, while in Rotterdam the average was around € 1,200 and in The Hague € 1,500. One main cause is the short rental supply in the private sector, which accounts for only some 5 percent of total housing stock, with the remaining rental stock classified under the social housing sector, which has long waiting lists and restricted to those on high salaries. Read more about renting in the Netherlands.

In comparison, as a result of low interest rates, in some cases, it is possible to secure a mortgage lower than the average rental prices. However, costs associated with buying property in the Netherlands total around 4-5 percent of the purchase price, thus buying Dutch property is more suitable for long-term investments, at least a minimum of five years. Based on the current price increase on the Dutch housing market it goes faster.

Can I get a mortgage in the Netherlands for my Utrecht property?

Of course! There are no legal restrictions for non-Dutch citizens buying Dutch property or applying for a Dutch mortgage. However, if you are relatively new to a job or area, self-employed, on a low income or of a non-EU nationality, these may result in stricter lending criteria and can become a bumpy road. This can result in a lower maximum Loan To Value (LTV). This is the ratio between the value of the house and the mortgage expressed in a percentage.

Each bank has different requirements, but in general, if you are from a country within the EU it helps a lot to apply for a mortgage. They will probably expect you to have a valid passport, have lived in the Netherlands for at least six months, have a citizen service number (BSN) and have permanent employment in the Netherlands.

You may need to pay a deposit and be limited to a maximum mortgage of 90 percent of the property value, although the Dutch bank does allow mortgages of the full value of a property.

Regardless of nationality, if you are employed you will need to show proof of income and a statement from your employer (werkgeversverklaring) with details of your contract and salary. Temporary workers and university researchers/Ph.D. students will need statements from their employers/universities confirming their position. Self-employed people need to supply the last three years’ income tax returns and accounts.

As from 1 January 2013 the rules for mortgage loans are changed

If you live in a house that you own, you have an owner-occupied home. If you are a qualifying non-resident taxpayer, you may deduct the interest on your mortgage or loan for this house.

Did you buy an owner-occupied home after 1 January 2013? Or did you increase your mortgage or loan after 1 January 2013? Or is your mortgage or loan higher now than in 2012, because you bought a more expensive house? In that case, you will be dealing with new rules for the deduction of your (mortgage) interest.

On 1 January 2013, the rules on the deduction of interest on the home acquisition debt (mortgage interest deduction) were changed. For any new loans, you may only deduct the interest if you repay the loan in monthly installments. If you already had a home acquisition debt before 1 January 2013, you may continue deducting the interest on this debt and you are not obliged to repay.

What is National Mortgage Guarantee (in Dutch NHG)

The Dutch National Mortgage Guarantee (NHG) scheme is unique in Europe. It helps you take out a mortgage that is guaranteed by the Dutch government and gives you an interest discount. This discount can be up to 0,5%!

And if you do run into problems meeting your mortgage payments due to circumstances beyond your control, the National Mortgage Guarantee may provide a safety net for you and your mortgage lender.

When you take out an NHG-backed mortgage, you know for sure that your mortgage matches your income. That’s because your mortgage meets the criteria for responsible lending and borrowing set by the National Institute for Family Finance in the Netherlands (NIBUD). So you know for sure that you’re not borrowing more than you can afford. After making the monthly mortgage payment you’ll still have money left for other expenses like groceries, insurance, and your savings account.

Safety net if you can no longer pay your mortgage

If you have an NHG-backed mortgage and can no longer pay your mortgage due to specific circumstances beyond your control, you and your mortgage lender can turn to us for support.

The specific circumstances under which NHG comes into operation are:

if you lose your job;
if your relationship ends;
if you become disabled for work;
if your partner dies.

The National Mortgage Guarantee is referred to in Dutch as ‘NHG’ or ‘Nationale Hypotheek Garantie’ (NHG). The maximum mortgage with NHG is € 265.000. Other conditions of this program.

When are you obliged to repay?

In order to be allowed to deduct the interest, you are obliged to repay the loan in the following situations:

You take out a mortgage or loan for the first time;
You increase your existing mortgage or loan, for example for a refurbishment;
If you already had a home acquisition debt on 31 December 2012, the repayment obligation will only apply to the additional amount you borrow;
You must repay the loan on an annuity basis or by equal amounts in no more than 360 months (30 years). In both cases, you will pay a fixed monthly amount consisting of interest and repayment. You are entitled to interest deduction in both cases.

Response within 24 hours.

Often sooner.

We work nationwide

Visit at home free of charge.

All your information is 100% safe and secure.

We care about your privacy.

For having an indication of your future mortgage payments please contact us.

Video ABN Amro expat desk

Current mortgage rates

advice expat mortgage utrecht

Mortgage advice Rotterdam for buying a house or refinancing?

Door Cournot op augustus 26, 2018 in mortgage

Book a free 60 minutes consultation

Our mortgage advisors in Rotterdam can help you make sure you never pay more than you need to for your mortgage. Make it Happen is the slogan of the city of Rotterdam! This fits with our mentality to serve you with the best mortgage advice in Rotterdam.

Buying a house for the first time in Rotterdam

With the help from our firm we can make the complete mortgage process as clear and uncomplicated as possible. Buying your first home in Rotterdam or the Netherlands can be a very exciting time, but there is also a lot to learn. Our financial advice covers a wide range of tips and guidance for first time buyers; such as how to save for your mortgage.

Our firm specialises in independent mortgage and insurance advice. We offer a comprehensive range of mortgage products from across the market and provide services for expats for buying a house for affordable fixed fees:

Home inspection / structural survey service for your new house;
Screening of your purchase agreement;
Home buying service.

What can you expect from our mortgage services?

We are committed to provide an excellent level of service. Many of our clients come from abroad. Recommendations to friends, family and colleagues and can be anywhere in Rotterdam. We work nationwide and therefore we provide mortgage advice over the phone, by e-mail or in person.

Independent mortgage advice

First of all you can expect independent and honest mortgage advise from us. This, more concretely, means that we have access to almost all mortgage lenders active in the Netherlands. We also have a partnership with foreign mortgage lenders. Besides, you have a legislator on your side who protects you.

Namely, we are required to have a license and there is an independent financial supervisor.

You can prepare the meeting with our mortgage advisors by call in your employer’s statement.

Need mortgage advice in Rotterdam? We are glad to assist you!

Want to live in the wonderful famous Dutch city of Rotterdam? Not surprising of course, because there is so much to see and do in Rotterdam. For instance the large Euromast or the beautiful Erasmusbrug. Want to have a look in the impressive harbor of Rotterdam? Take a harbor tour with Spido to see it yourself.

Are you looking for a home to buy in this bright city, or have you already signed a contract for a house and do you need mortgage advice? We are happy to serve you with specialised mortgage advice.

Our highly educated mortgage advisors will give you more then appropriate mortgage advice in Rotterdam. We love Rotterdam as well. Book an initial, free of charge, telephone consultation with one of our mortgage advisors right now!

Housing market in Rotterdam

The housing market is going through extraordinary times in Rotterdam. Especially within the centre area it is difficult to find a home. Without guidance is it very hard to get hold of a house in the city with the only magnificent skyline of the Netherlands.

Rotterdam, with its extraordinary port, has a lasting appeal on a large group of people. Expats often choose to live in Rotterdam compared to other cities because of its no-nonsense mentality of it’s residents.

There are some typical characteristics worth noticing in the housing market of Rotterdam:

Some of the land belongs to the municipality and you have the it on a long lease. In short this means you pay a reimbursement to the local authorities.
A lot of the apartments have an owners’ association.

Mortgage advice on making an offer with or without ‘subject to finance’ in Rotterdam

Any person currently looking for a home to buy in Rotterdam knows that offers are frequently made without a resolutive condition. Also known as a finance clause. This clause give you time to organise a mortgage for your new house.

Making an offer without this condition can cause a big risk. Because what happens if the bank refuses your mortgage application?

As this happens, you may then have to pay 10% of the purchase price as a penalty and the real cost of damage. Are you willing to take this risk? We can explain you alternative solutions to have the best bid and buying without this expensive risk.

Also we can help you with have a sort of pre-approval mortgage application.

Should I keep renting or buy a property in the Netherlands?

In the five years following on the end of the financial crisis, property prices in the Netherlands plummeted more than fifteen percent and left many homebuyers with mortgages that exceeded the value of their Dutch property. However, the Dutch housing market upswing that started mid-2013 is predicted to continue through 2018, as the Dutch economy and consumer confidence improve and interest rates remain at a historical low point.

These conditions have turned the Dutch housing market into a buyer’s market – particularly for first-time homebuyers – and increased local and foreign investment is pushing property prices back up again.

In contrast, rental prices remained relatively stable over the same period, and are showing significant growth as the economy recovers; in 2015, for example, housing experts said rental prices doubled in the main cities of Amsterdam, The Hague, Utrecht, Rotterdam and Groningen.

Rental housing platform Pararius recorded the average rental price in the Netherlands in 2016 at around € 1,365 a month but in Amsterdam the average was € 2,200 per month, while in Rotterdam the average was around € 1,200 and in The Hague € 1,500. One main cause is the short rental supply in the private sector, which accounts for only some 5 percent of total housing stock, with the remaining rental stock classified under the social housing sector, which has long waiting lists and restricted to those on high salaries. Read more about renting in the Netherlands.

In comparison, as a result of low interest rates, in some cases it is possible to secure a mortgage lower than the average rental prices. However, costs associated with buying property in the Netherlands total around 4-5 percent of the purchase price, thus buying Dutch property is more suitable for long-term investments, at least a minimum of five years. Based on the current price increase on the Dutch housing market it goes faster.

Can I get a mortgage in the Netherlands for my Rotterdam property?

Of course! There are no legal restrictions for non-Dutch citizens buying Dutch property or applying for a Dutch mortgage. However, if you are relatively new to a job or area, self-employed, on a low income or of a non-EU nationality, these may result in a stricter lending criteria and can become a bumpy road. This can result in a lower maximum Loan To Value (LTV). This is the ratio between the value of the house and the mortgage expressed in a percentage.

Each bank has different requirements, but in general, if you are from a country within the EU it helps a lot to apply for a mortgage. They will probably expect you to have a valid passport, have lived in the Netherlands for at least six months, have a citizen service number (BSN) and have permanent employment in the Netherlands.

You may need to pay a deposit and be limited to a maximum mortgage of 90 percent of the property value, although the Dutch bank does allow mortgages of the full value of a property.

Regardless of nationality, if you are employed you will need to show proof of income and a statement from your employer (werkgeversverklaring) with details of your contract and salary. Temporary workers and university researchers/PhD students will need statements from their employers/universities confirming their position. Self-employed people need to supply the last three years’ income tax returns and accounts.

As from 1 January 2013 the rules for mortgage loans are changed

If you live in a house that you own, you have an owner-occupied home. If you are a qualifying non-resident taxpayer, you may deduct the interest on your mortgage or loan for this house.

Did you buy an owner-occupied home after 1 January 2013? Or did you increase your mortgage or loan after 1 January 2013? Or is your mortgage or loan higher now than in 2012, because you bought a more expensive house? In that case, you will be dealing with new rules for the deduction of your (mortgage) interest.

On 1 January 2013, the rules on the deduction of interest on the home acquisition debt (mortgage interest deduction) were changed. For any new loans, you may only deduct interest if you repay the loan in monthly instalments. If you already had a home acquisition debt before 1 January 2013, you may continue deducting the interest on this debt and you are not obliged to repay.

What is National Mortgage Guarantee (in Dutch NHG)

The Dutch National Mortgage Guarantee (NHG) scheme is unique in Europe. It helps you take out a mortgage that is guaranteed by the Dutch government and gives you a interest discount. This discount can be up to 0,5%!

And if you do run into problems meeting your mortgage payments due to circumstances beyond your control, the National Mortgage Guarantee may provide a safety net for you, and your mortgage lender.

When you take out an NHG-backed mortgage, you know for sure that your mortgage matches your income. That’s because your mortgage meets the criteria for responsible lending and borrowing set by the National Institute for Family Finance in the Netherlands (NIBUD). So you know for sure that you’re not borrowing more than you can afford. After making the monthly mortgage payment you’ll still have money left for other expenses like groceries, insurance and your savings account.

Safety net if you can no longer pay your mortgage

If you have an NHG-backed mortgage and can no longer pay your mortgage due to specific circumstances beyond your control, you and your mortgage lender can turn to us for support.

The specific circumstances under which NHG comes into operation are:

if you lose your job;
if your relationship ends;
if you become disabled for work;
if your partner dies.

The National Mortgage Guarantee is referred to in Dutch as ‘NHG’ or ‘Nationale Hypotheek Garantie’ (NHG). The maximum mortgage in 2018 with NHG is € 265.000. Other conditions of this program.

Taking out a mortgage as an entrepreneur

Starting a business or already being in business and buying a house in the Netherlands? They are two of the biggest things you can do in life – but do buying a home and starting a business go hand-in-hand?

For many new business owners, the prospect of securing a mortgage fills them with dread. Judging by the number of client enquiries we receive many still fear that a freshly-formed business will, in the eyes of lenders’ underwriters, disqualify them from mortgage eligibility.

On the flip side, many would-be business owners are forced to prioritise, preferring to defer their career ambitions, to secure their family home first. Only returning to their business dreams, sometimes years, later.

But the anxiety around the implications of starting a business on your mortgage eligibility doesn’t need to be so thorny.

It’s getting easier to get a mortgage as an entrepreneur

True, historically, securing a home has been less straightforward for the self-employed than for employees. But, while in years gone by many lenders have shut up shop when approached by fledgling entrepreneurs, I have good news as most have now relaxed their rules.

More specifically, whilst lenders all used to operate different criteria when it comes to assessing mortgage applications, many have now standardised the way they judge affordability. And the pool of lenders and products available to business owners is growing all the time.

So, don’t worry – just like for your salaried friends, as long as your finances are fundamentally sound the chances are that you will get a mortgage.

How to navigate the mortgage application process if you’re a business owner

Many new business owners stress that mortgage lenders will require three years’ of good accounts against which to judge an application. Yet, whilst three years typically remains the period underwriters tend to look back on, the focus of their energies has changed.

Rather than dive in to your company accounts, most lenders also want to see your personal tax calculation. That means, just like employees, you need to show lenders proof of earnings after and before tax.

Remember, your lender is also interested in the health of your business – as long as you can demonstrate a viable flow of cash – whether in dividends or salary – to your personal finances.

Plan your business finances

This doesn’t mean, however, that, when you want to buy a house you can embark on a new business with impunity.

Yes, there are fewer technical hurdles to securing a mortgage but you must nevertheless consider the impact of starting a busines on your underlying finances.

You want to avoid getting into a situation where you are forced to defend your business plan or attempt to justify first-year set-up costs as one-off as this could cause delays to the whole process.

When are you obliged to repay?

In order to be allowed to deduct the interest, you are obliged to repay the loan in the following situations:

You take out a mortgage or loan for the first time;
You increase your existing mortgage or loan, for example for a refurbishment;
If you already had a home acquisition debt on 31 December 2012, the repayment obligation will only apply to the additional amount you borrow;
You must repay the loan on an annuity basis or by equal amounts in no more than 360 months (30 years). In both cases, you will pay a fixed monthly amount consisting of interest and repayment. You are entitled to interest deduction in both cases.

Response within 24 hours.

Often sooner.

We work nationwide

Visit at home free of charge.

All your information is 100% safe and secure.

We care about your privacy.

For having an indication of your future mortgage payments please contact us.

Video ABN Amro expat desk

Current mortgage rates

advice expat mortgage rotterdam

Mortgage advice Amsterdam for buying a house or refinancing?

Door Cournot op augustus 3, 2018 in mortgage

Book a free 60 minutes consultation

Our mortgage advisors in Amsterdam can help you make sure you never pay more than you need to for your mortgage. Mortgage advice Amsterdam by dedicated financial advisors.

Buying a house for the first time in Amsterdam

With help from our firm we can make the complete mortgage process as clear and uncomplicated as possible. Buying your first home in Amsterdam or the Netherlands can be a very exciting time, but there is also a lot to learn. Our financial advice covers a wide range of tips and guidance for first time buyers; such as how to save for your mortgage.

Our firm specializes in independent mortgage and insurance advice. We offer a comprehensive range of mortgage products from across the market and provide services for expats for buying a house for affordable fixed fees:

Home inspection / structural survey service for your new house;
Screening of your purchase agreement;
Home buying service.

What can you expect from our mortgage services?

We are committed to providing an excellent level of service. Many of our clients come from abroad. Recommendations to friends, family, and colleagues and can be anywhere in Amsterdam. We work nationwide and therefore we provide mortgage advice over the phone, by e-mail or in person.

Independent mortgage advice

First of all you can expect independent and honest mortgage advise from us. This, more concretely, means that we have access to almost all mortgage lenders active in the Netherlands. We also have a partnership with foreign mortgage lenders. Besides, you have a legislator on your side who protects you.

Namely, we are required to have a license and there is an independent financial supervisor.

You can prepare the meeting with our mortgage advisors by calling in your employer’s statement.

Need mortgage advice in Amsterdam? We are glad to assist you!

Want to live in the wonderful famous Dutch city of Amsterdam? Not surprising of course, because there is so much to see and do in Amsterdam. For instance the impressive Rijksmuseum or the beautiful canals. Perhaps you need to adjust to the overwhelming presence of bikes!

Are you looking for a home to buy in this bright city, or have you already signed a contract for a house and do you need mortgage advice? We are happy to serve you with specialized mortgage advice.

Our highly educated mortgage advisors will give you more than appropriate mortgage advice in Amsterdam. We love Amsterdam as well. Book an initial, free of charge, telephone consultation with one of our mortgage advisors right now!

The housing market in Amsterdam

The housing market is going through extraordinary times in Amsterdam. A house with a garden is becoming scarce and the prices are going through the roof. Without guidance is it very hard to get hold of a house in the capital city of the Netherlands.

Amsterdam, with its extraordinary canals, has a lasting appeal on a large group of people. Expats often choose to live in Amsterdam compared to other cities because of its favorable establishment environment.

There are some typical characteristics worth noticing in the housing market of Amsterdam:

Some of the ground belongs to the municipality and you have it on a long lease. In short, this means you pay reimbursement to the local authorities.
A lot of the apartments have an owners’ association.
There is a unique mannerism to bid on a house in Amsterdam.
The notary prepares a concept purchase agreement and invites the parties involved in the process to sign the document at his or her office.

Mortgage advice on making an offer with or without ‘subject to finance’ in Amsterdam

Any person currently looking for a home to buy in Amsterdam knows that offers are frequently made without a resolutive condition. Also known as a finance clause. This clause gives you time to organize a mortgage for your new house.

Making an offer without this condition can cause a big risk. Because what happens if the bank refuses your mortgage application?

As this happens, you may then have to pay 10% of the purchase price as a penalty and the real cost of damage. Are you willing to take this risk? We can explain to you alternative solutions to have the best bid and buying without this expensive risk.

Also, we can help you with have a sort of pre-approval mortgage application.

Should I keep renting or buy a property in the Netherlands?

In the five years following on the end of the financial crisis, property prices in the Netherlands plummeted more than fifteen percent and left many homebuyers with mortgages that exceeded the value of their Dutch property. However, the Dutch housing market upswing that started mid-2013 is predicted to continue through 2018, as the Dutch economy and consumer confidence improve and interest rates remain at a historical low point.

These conditions have turned the Dutch housing market into a buyer’s market – particularly for first-time homebuyers – and increased local and foreign investment is pushing property prices back up again.

In contrast, rental prices remained relatively stable over the same period, and are showing significant growth as the economy recovers; in 2015, for example, housing experts said rental prices doubled in the main cities of Amsterdam, The Hague, Utrecht, Rotterdam, and Groningen.

Rental housing platform Pararius recorded the average rental price in the Netherlands in 2016 at around € 1,365 a month but in Amsterdam, the average was € 2,200 per month, while in Rotterdam the average was around € 1,200 and in The Hague € 1,500. One main cause is the short rental supply in the private sector, which accounts for only some 5 percent of total housing stock, with the remaining rental stock classified under the social housing sector, which has long waiting lists and restricted to those on high salaries. Read more about renting in the Netherlands.

In comparison, as a result of low interest rates, in some cases, it is possible to secure a mortgage lower than the average rental prices. However, costs associated with buying property in the Netherlands total around 4-5 percent of the purchase price, thus buying Dutch property is more suitable for long-term investments, at least a minimum of five years. Based on the current price increase on the Dutch housing market it goes faster.

Can I get a mortgage in the Netherlands?

Of course! There are no legal restrictions for non-Dutch citizens buying Dutch property or applying for a Dutch mortgage. However, if you are relatively new to a job or area, self-employed, on a low income or of a non-EU nationality, these may result in stricter lending criteria and can become a bumpy road. This can result in a lower maximum Loan To Value (LTV). This is the ratio between the value of the house and the mortgage expressed in a percentage.

Each bank has different requirements, but in general, if you are from a country within the EU it helps a lot to apply for a mortgage. They will probably expect you to have a valid passport, have lived in the Netherlands for at least six months, have a citizen service number (BSN) and have permanent employment in the Netherlands.

You may need to pay a deposit and be limited to a maximum mortgage of 90 percent of the property value, although the Dutch bank does allow mortgages of the full value of a property.

Regardless of nationality, if you are employed you will need to show proof of income and a statement from your employer (werkgeversverklaring) with details of your contract and salary. Temporary workers and university researchers/Ph.D. students will need statements from their employers/universities confirming their position. Self-employed people need to supply the last three years’ income tax returns and accounts.

As from 1 January 2013 the rules for mortgage loans are changed

If you live in a house that you own, you have an owner-occupied home. If you are a qualifying non-resident taxpayer, you may deduct the interest on your mortgage or loan for this house.

Did you buy an owner-occupied home after 1 January 2013? Or did you increase your mortgage or loan after 1 January 2013? Or is your mortgage or loan higher now than in 2012, because you bought a more expensive house? In that case, you will be dealing with new rules for the deduction of your (mortgage) interest.

On 1 January 2013, the rules on the deduction of interest on the home acquisition debt (mortgage interest deduction) were changed. For any new loans, you may only deduct the interest if you repay the loan in monthly installments. If you already had a home acquisition debt before 1 January 2013, you may continue deducting the interest on this debt and you are not obliged to repay.

Code of conduct for mortgage loans

Lending institutions such as banks and other mortgage providers are bound by a code of conduct in relation to mortgages. In Dutch, this code of conduct is known as Gedragscode Hypothecaire Financiering. The current version of the governments Code of Conduct for mortgage loans came into effect in 2011. The code of conduct applies to mortgages on primary residences only.

Actual interest rates (September, 25th 2018)

What is National Mortgage Guarantee (in Dutch called NHG)

The Dutch National Mortgage Guarantee (NHG) scheme is unique in Europe. It helps you take out a mortgage that is guaranteed by the Dutch government and gives you an interest discount. This discount can be up to 0,5%!

And if you do run into problems meeting your mortgage payments due to circumstances beyond your control, the National Mortgage Guarantee may provide a safety net for you and your mortgage lender.

When you take out an NHG-backed mortgage, you know for sure that your mortgage matches your income. That’s because your mortgage meets the criteria for responsible lending and borrowing set by the National Institute for Family Finance in the Netherlands (NIBUD). So you know for sure that you’re not borrowing more than you can afford. After making the monthly mortgage payment you’ll still have money left for other expenses like groceries, insurance, and your savings account.

Safety net if you can no longer pay your mortgage

If you have an NHG-backed mortgage and can no longer pay your mortgage due to specific circumstances beyond your control, you and your mortgage lender can turn to us for support.

The specific circumstances under which NHG comes into operation are:

if you lose your job;
if your relationship ends;
if you become disabled for work;
if your partner dies.

The National Mortgage Guarantee is referred to in Dutch as ‘NHG’ or ‘Nationale Hypotheek Garantie’ (NHG). The maximum mortgage with NHG is € 265.000. Other conditions of this program.

Taking out a mortgage as an entrepreneur

Starting a business or already having one and buying a house in Amsterdam or elsewhere in the Netherlands? They are two of the biggest things you can do in life – but do buying a home and starting a business go hand-in-hand?

For many new business owners, the prospect of securing a mortgage fills them with dread. Judging by the number of client inquiries we receive many still fear that a freshly-formed business will, in the eyes of lenders’ underwriters, disqualify them from mortgage eligibility.

On the flip side, many would-be business owners are forced to prioritize, preferring to defer their career ambitions, to secure their family home first. Only returning to their business dreams, sometimes years, later.

But the anxiety around the implications of starting a business on your mortgage eligibility doesn’t need to be so thorny.

It’s getting easier to get a mortgage as an entrepreneur

True, historically, securing a home has been less straightforward for the self-employed than for employees. But, while in years gone by many lenders have shut up shop when approached by fledgling entrepreneurs, I have good news as most have now relaxed their rules.

More specifically, whilst lenders all used to operate different criteria when it comes to assessing mortgage applications, many have now standardized the way they judge affordability. And the pool of lenders and products available to business owners is growing all the time.

So, don’t worry – just like for your salaried friends, as long as your finances are fundamentally sound the chances are that you will get a mortgage.

How to navigate the mortgage application process if you’re a business owner

Many new business owners stress that mortgage lenders will require three years’ of good accounts against which to judge an application. Yet, whilst three years typically remains the period underwriters tend to look back on, the focus of their energies has changed.

Rather than dive into your company accounts, most lenders also want to see your personal tax calculation. That means, just like employees, you need to show lenders proof of earnings after and before tax.

Remember, your lender is also interested in the health of your business – as long as you can demonstrate a viable flow of cash – whether in dividends or salary – to your personal finances.

Plan your business finances

This doesn’t mean, however, that, when you want to buy a house you can embark on a new business with impunity.

Yes, there are fewer technical hurdles to securing a mortgage but you must nevertheless consider the impact of starting a business on your underlying finances.

You want to avoid getting into a situation where you are forced to defend your business plan or attempt to justify first-year set-up costs as one-off as this could cause delays to the whole process.

When am I obliged to repay my loan?

In order to be allowed to deduct the interest, you are obliged to repay the loan in the following situations:

You take out a mortgage or loan for the first time;
You increase your existing mortgage or loan, for example for a refurbishment;
If you already had a home acquisition debt on 31 December 2012, the repayment obligation will only apply to the additional amount you borrow;
You must repay the loan on an annuity basis or by equal amounts in no more than 360 months (30 years). In both cases, you will pay a fixed monthly amount consisting of interest and repayment. You are entitled to interest deduction in both cases.

Response within 24 hours.

Often sooner.

We work nationwide

Visit at home free of charge.

All your information is 100% safe and secure.

We care about your privacy.

For having an indication of your future mortgage payments please contact us.

Video ABN Amro expat desk

advice amsterdam expat mortgage

Refinance mortgage expat solutions in the Netherlands

Door Cournot op maart 15, 2018 in expat-mortage

Mortgage quotation?

Perhaps you closed your mortgage a few years ago for a ‘high’ interest rate compared to the current interest rates. How can you profit from the current low mortgage interest rates? It is possible to ask your bank to ‘moderate’ the interest rate, in Dutch this is called ‘rentemiddeling‘.

Also, you can refinance your complete mortgage. Perhaps you have expensive life insurances connected to your mortgage so by refinancing you can fresh up your mortgage and save money by having a more profitable mortgage type.

Mortgage advice visit at home

We can help you by researching the best solution for you. We work nationwide and can visit you at home or at the office on a time that fits you best, also during the evening hours.

Different mortgage types

The mortgage type that suits your situation best depends on your personal circumstances and lifestyle. Banks offer a large variety of different mortgage types, but there are three basic models. When taking out a loan, eventually you have to repay the actual loan, plus in the meantime, you also pay the interest. In some mortgage models, you start repayment of the actual capital from the outset, usually over a long period, say 30 years, whilst also paying interest on the loan. In some other mortgage types, you postpone the repayment portion of the loan, solely paying the interest on it on a regular basis.

There are two capital repayment models: the annuities mortgage and the so-called linear mortgage.

Annuities mortgage

With an annuities mortgage, you repay the capital plus interest. The characteristic of an annuities mortgage is that in early years you pay a lot of interest and you repay little capital. Towards the end of the mortgage term, this turns the other way round, paying off more capital and hence less interest.

Another characteristic is that with an annuities mortgage you make fixed monthly payments during the mortgage term. (Except of course that the payments may be affected by changes in mortgage interest rates).

Due to the redemption (ie the paying-off of the mortgage), the mortgage debt decreases and you pay less and less interest as time goes on. This means, however, that your net housing costs will increase a little since only the interest on the loan is tax deductible (for those of you who are taxpayers in the Netherlands). In the early years of the mortgage term the annuities mortgage results in lower monthly payment than a linear mortgage.

Linear mortgage

The linear mortgage, you start to repay the mortgage loan by a fixed amount every month. On top of this, you pay interest, but the interest payments will reduce over time since you are gradually redeeming the mortgage loan. Since the mortgage amount will actually decrease, so will your interest payments.

A linear mortgage can be useful for people who wish to repay their mortgage as quickly as possible and who are expecting a decrease in income sometime in the future. However, monthly mortgage payments are relatively high in the beginning.

If you are a taxpayer, this is not an ideal mortgage model either, since you will not be taking full advantage of the tax deductibility of mortgage interest.

Interest only mortgage

The interest only mortgage. There are circumstances whereby the bank will actually allow you to just pay interest and repay the capital from savings or investment accounts, giving their name to various different mortgages types linked to an interest-only loan:

Life insurance mortgage (levenhypotheek): This mortgage is connected to life insurance. The client pays a monthly or an annual premium, which is often invested in a mutual fund. The premium can include life insurance cover. This policy can be tax-free under certain conditions (rather than being taxed in box III at 1,2%).

Guaranteed life insurance mortgage

Guaranteed life insurance mortgage (spaarhypotheek): This mortgage type is also connected to a life insurance, but with a guaranteed return. The interest you get on your premium is equal to the interest you pay, hence you are 100% sure that your mortgage will be repaid at the end of the mortgage term.

A combination of these two, the hybrid mortgage (hybride hypotheek): With this type, you can switch from a mutual fund with investment risk to a guaranteed return on your money.

Investment account mortgage

Investment account mortgage (beleggingshypotheek): In an investment account mortgage you invest a certain premium into a stock market account (not an insurance!). This premium can be a lump sum, a monthly or an annual premium.

Guaranteed Savings Account mortgage

Guaranteed Savings Account mortgage (bankspaarhypotheek): This type of mortgage offers a high level of security. With a bankspaarhypotheek you will save money at a fixed rate. This rate is equal to the mortgage interest rate, and at the end of the term you will be sure that you have saved enough money to repay the mortgage loan.

Simultaneously you are optimizing your tax break since you are keeping the interest payments constant at their original level. It is also possible to invest rather than save in a bankspaar account, however, there is always some risk involved when investing rather than saving in cash.

More information about refinancing your current mortgage

For more information about refinancing your current mortgage or general information about mortgages please use the form below. Cournot Adviseurs is paid by the client and we do not receive any commission (provisie) from banks or insurance companies. We charge you fixed fees which are in most cases tax deductible.

The exact amount of fee we explain you during a first meeting and depends on what services you wish to use.

Response within 24 hours.

Often sooner.

We work nationwide

Visit at home free of charge.

All your information is 100% safe and secure.

We care about your privacy.

costs expat mortgage netherlands refinance

Tag: expat

Hire a professional Dutch real estate expert

Save money on your purchase and use our buying service

Real estate buying service house in the Netherlands packages

Basic package

Enhanced package

Top package

Negotiations buying a house

Amsterdam housing market particularities

10% deposit buying price

Home buying service for expats

Closing costs of buying a house

Code of conduct for mortgage loans

Dual estate agent system

What is the difference between working with a bank directly and working with an independent mortgage advisor?

Can I get pre-qualified for a mortgage?

Which is better—an adjustable-rate mortgage or a fixed-rate mortgage?

Can I take cash out when I refinance?

How much are closing costs?

Am I allowed to make partial repayments of capital or increase my monthly repayments if I wish to repay the mortgage earlier?

Are there any penalties for repaying the mortgage early?

Will you be able to assist me in the future?

Is there an arrangement fee to pay and if so will I get this back if my application does not proceed?

Tweede woning aankopen

Voorwaarden

Benodigde documenten

Inkomensbestanddelen

Welke woonlanden zijn toegestaan

Notarisservice

Vertel ons uw verhaal

Video uitleg hypotheek met buitenlands inkomen

Expat mortgage Netherlands

Expat financial advisor

Expat mortgage the Netherlands

Mortgage rate

Expat mortgages special solutions

Expats package deal?

Personal mortgage advisor

Expat mortgage process

Closing costs of buying a house in the Netherlands

Our service

How will the mortgage interest in the Netherlands develop in 2018?

Will interest rates remain low?

How long does this interest rate last?

Actual interest rates (May 22, 2019)

Finance with National Mortgage Guarantee (in Dutch NHG)

Safety net if you can no longer pay your mortgage

Have a question?

Video mortgage advice explained

Buying a house for the first time in The Hague as an expat

What can you expect from our mortgage services?

How to save time in the mortgage process?

Independent mortgage advice

Need mortgage advice in The Hague? We are glad to assist you!

The housing market in The Hague

Mortgage advice on making an offer with or without ‘subject to finance’ in The Hague

Code of conduct for mortgage loans

Should I keep renting or buy a property in the Netherlands?

Can I get a mortgage in the Netherlands?

As from 1 January 2013 the rules for mortgage loans are changed

When are you obliged to repay?

Why use a mortgage advisor? – Pros & Cons

Pros of using a mortgage advisor

Cons of using a mortgage advisor

Video ABN Amro expat desk

Current mortgage rates

What can you expect from our mortgage services?

Independent mortgage advice

The housing market in Eindhoven

Should I keep renting or buy a property in the Eindhoven area?

Can I get a mortgage in the Netherlands?

Large companies Eindhoven area

As from 1 January 2013 the rules for mortgage loans are changed

Taking out a mortgage as an entrepreneur in Eindhoven

It’s getting easier to get a mortgage as an entrepreneur

How to navigate the mortgage application process if you’re a business owner

Plan your business finances

When are you obliged to repay your mortgage?

Have a question?

Video ABN Amro expat desk