Expat mortgage

Are you an expat looking for your first or next home in the Netherlands and curious about how much mortgage you can get based on your situation?

Buying a home in the Netherlands as an expat can be complex. Dutch banks often have strict rules regarding income type, residency status, and contract structure.

At Maatwerk Hypotheek, we specialize in tailor-made mortgage solutions for expats and international professionals, even in non-standard situations such as foreign income, freelance contracts, or recent relocation.

👉 We help expats secure financing when traditional banks say no.

🟢 Can Expats Get a Mortgage in the Netherlands?

Yes. Expats can get a mortgage in the Netherlands, but conditions depend on:

• Residency status (EU / non-EU)
• Employment type
• Income stability
• Credit history

We help structure your application so lenders understand your situation correctly.

🟢Mortgage Options for Expats

We assist with:

• Fixed-term employment mortgages
• Self-employed expat mortgages
• Foreign income mortgages
• High-net-worth expat financing
• Non-standard / complex cases

🟢How Much Can You Borrow?

Your mortgage amount depends on:

• Your gross income
• Type of contract
• Interest rates
• Existing financial obligations

In many cases, expats can borrow up to 90–100% of property value,  depending on profile.

🟢Documents Required

Typical documents include:

• Passport / residence permit
• Employment contract
• Salary slips (last 3 months)
• Bank statements
• Tax documentation (if applicable)

We guide you through the full process.

🟢Get Your Personal Mortgage Estimate

Find out how much you can borrow as an expat in the Netherlands in just a few minutes.

✔ Free assessment
✔ Tailor-made calculation
✔ Based on your real financial situation
✔ Sent directly to your email

🟡 Why Expats Choose Us

We specialize in mortgage cases that traditional banks often reject.

✔ Expertise in non-standard cases
✔ Access to multiple lenders
✔ Experience with international clients
✔ Tailor-made mortgage structuring
✔ High success rate in complex applications

🟡 Our Process

1. Free intake & assessment

We review your financial situation.

2. Strategy selection

We identify the best mortgage options.

3. Application preparation

We optimize your profile for approval.

4. Submission to lenders

We work with multiple banks and providers.

5. Approval & closing

We guide you until the purchase is complete.