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Expat Mortgage

Bouvy Advies: The independent and personal mortgage agency.

We have over ten years of experience with top business professionals.


Thijs Bouvy

AFM Mortgage advisor
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how to get a Dutch mortgage and become a homeowner in 5 steps

Bouvy brings

Thijs Bouvy

AFM Mortgage advisor

The Best Expat Mortgage Agency

The Best Expat Mortgage Agency


How to get a Dutch mortgage and become a homeowner in 5 steps

  • Step 1

Determine your mortgage limit

Before you start house hunting, it’s important to determine your budget. Start by assessing whether you meet the requirements for a Dutch mortgage. Despite the many rules and regulations that apply to expats, it is certainly possible. If so, there are different factors that define your mortgage limit, including your income, whether you are eligible for the 30% ruling or not, mortgage rates, the value of the property and other financial obligations.

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  • Step 2

Property market investigation

Thinking about buying a house in the Netherlands? Just got relocated or moved (back) to the Netherlands? When you start thinking about buying a house, it’s important to get a feel for the housing market. Educate yourself, explore, and take your time. What does Holland have to offer? In what direction are home prices moving? Is now the right time to jump into the Dutch housing market? House or an apartment, city or suburb, what does your money get you? Especially when not familiar with the local market, our best advice is to consult a local real estate agent who has the answers to all these questions and points out all the things you need to know. With contacts all over the Netherlands, we are happy to connect you with a reliable real estate agent.

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  • Step 3

Bidding and buying

Found your dream home and ready to make an offer? You already know your mortgage limit as defined with your mortgage advisor, so now you need to determine—together with your real estate agent—the amount you’re comfortable with spending on a particular property and to get an appraisal. This can be below or over the asking price, and you’ll want to decide based on these factors. This can go back and forth a few times before you reach an agreement with the vendors/their real estate agent. As your personal finance and mortgage advisor, we are available if you need any additional information or recalculations. We’re also alongside you to do a little “happy dance” when your bid is accepted, and you sign the preliminary purchase agreement.

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  • Step 4

Mortgage application

When all is signed, it’s time to seal the deal. To start the official mortgage application is where we come in again. As an independent mortgage broker, we will advise you on the type of mortgage which will best suit your financial situation, personal preferences and future plans. We will also find the best provider accordingly. We compare over 40 providers to do so and again—we only think in your best interest. We offer full service during this process which many of our clients have praised as the process requires a lot of paperwork and time (4 to 6 weeks normally). We’ll take all of this off of your hands, and you’ll receive real-time information on the status.

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  • Step 5

Become property owner

Delivery time! Preliminary purchase agreement signed at the notary’s office and sent to your mortgage broker, check. You may also be required to pay a deposit to the notary within a few weeks of signing. This is also something we can and will arrange for you. When all documents and the mortgage are finalised the transfer of ownership takes place at the civil law notary’s office and signed by the seller, the buyer and the notary. The transfer then becomes official, and you receive the keys to your new home. Now, you may proudly call yourself a homeowner in the Netherlands. We like the sound of that as much as a wine cork popping.

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Bouvy Advies: full service expat mortgage agency

The process of buying a house can be quite daunting due to the number of rules and regulations that apply. That is the case for both Dutchies and for those who move to the Netherlands for work. Fortunately, there are many possibilities and options from which to choose. An independent mortgage adviser, who advises you transparently and efficiently about the entire process is, therefore, recommended. Aside from the expert knowledge an advisor brings to the table, what’s not to like about someone who takes everything in the entire process off your hands. So this is where Bouvy comes in.

Let’s Work Together

Financial Advice

Independent advice is important when it comes to comparing lenders. We compare rates and conditions from over 40 providers to offer you the best quotes for your financial situation and personal preferences. We do not receive any commission from banks. We only act in your best interest. As financial advisors, we think further in terms of building capital when in the Netherlands. We anticipate, think out-of-the-box and dare to be bold. We help you make the right choices for the future.

Mortgage & insurance

As your personal advisor, we take care of the whole process. As financial advisors, we offer information on all relevant financial products. This is advantageous in terms of efficiency, conditions and rates. There are several insurance policies to consider that we can help you with:

  • Life insurance
  • Income protection: unemployment insurance, critical illness insurance
  • Household insurance/home insurance: buildings and contents
  • Liability insurance

Contact us and discover our full service and package deals.

Insider Advice on What is an expat mortgage and How to determine my mortgage limit?

faq title background

FAQ – Expat mortgage knowledgebase

What is a mortgage (hypotheek)?2020-12-13T10:46:50+00:00

An ‘Expat hypotheek’ is a Dutch mortgage for expats. Almost everyone with income can get a Dutch mortgage. However, for an expat, additional rules are applicable. An expat mortgage is an option if you regularly stay in the Netherlands (Pied à Terre). Also if you are moving (back) to the Netherlands in the short term. Or if you want to rent out a purchased property (let to buy ).

Who is the best mortgage lender?2020-12-14T14:41:09+00:00

The Best mortgage lender does in the Netherlands is really depending on your situation. For example if you are in the Netherlands since 6 months we will advice one other expat mortgage then when you are longer as an expat in the Netherlands.

Also it depends on interest rate and specific wishes of you.

Dutch transfer tax explained2020-12-14T14:41:59+00:00

When you buy a house in the Netherlands you have to pay 2% tax over the amount you bought the house for. When you sell the house later on you do not have to pay any tax. Our independent finance consultant for Expats can tell you all about this.

What is my mortgage limit?2020-12-14T14:42:56+00:00

On the site of our main organization you can calculate the max mortgage https://www.bouvy.nl/maximale-hypotheek/

However when you have a specific ruling with the government we can get an even higher mortgage for you

Can every expat apply for a mortgage?2020-12-14T14:43:37+00:00

No not every expat can apply for a mortgage. IT depends on your situation. You need to have a binding with our country. However it is possible to get Expat mortgages in Amsterdam or the rest of Holland

Dutch notary; what does he do?2020-12-14T14:44:01+00:00

The notary does transfer the money from the bank to the seller of the house and makes sure all taxes are paid. Also they register the house or appartement in your name.

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We have over ten years of experience with top business professionals.

“Helping you to make the right choices for the future is what I do best. I work independently, efficiently and my approach is always personal with a focus on success.”

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Thijs Bouvy

AFM Mortgage advisor
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