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This step-by-step guide explains how to secure a mortgage in the Netherlands, including Dutch mortgage calculators, Dutch mortgage rates and mortgage brokers for expats. No restrictions are placed on foreigners buying Dutch property and taking out a mortgage in the Netherlands, even foreigners classed as non-residents. Securing a Dutch mortgage mortgage in Dutch is hypotheek is thus facilitated by mortgage lenders that offer werkgeversverklraing expat services, such as English-language contracts or other special features related werkgeversevrklaring expat mortgages in the Netherlands.

The Dutch government has encouraged home ownership for many years, offering tax exemptions on Dutch mortgage payments alongside other benefits for homebuyers in the Netherlands. However, following the financial crisis regulations were tightened, making it harder for some people to get a Dutch mortgage — although expats are typically not affected if they earn attractive salaries.

However, werkgeverxverklaring everywhere else, the self-employed and other groups may now find it harder to get a good deal as banks consider them to be more risky.

werkgeversverklaring ind pdf files – PDF Files

However, the Dutch housing market upswing that started mid is predicted to continue throughas the Dutch economy and consumer confidence werkkgeversverklaring and interest rates remain at historical lows. In contrast, rental prices remained relatively stable over the same period, and are showing significant growth as the economy recovers; infor example, housing experts werkbeversverklaring rental prices doubled in the main cities of Amsterdam, The Hague, Utrecht, Rotterdam and Groningen.

Read more about renting in the Netherlands. In comparision, as a result of low interest rates, in some cases it img possible to secure a mortgage lower than the average rental prices. There are no formal 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.

Mortgage rates in the Netherlands can be as low as 1. As a rough guideline, you can borrow up to five times your gross salary, although dual-income households can typically borrow more.

New laws introduced in mean that owners of energy-neutral homes will qualify for higher mortgages. Therefore, it is advised to assess the monthly repayments required by your preferred plan, and determine whether you can afford them.


Additionally, fees for estate agents are typically based on a percentage of the property purchase price. Thus, you typically need to be Dutch resident and paying taxes in the Netherlands to claim a tax exemption.


However, a parent residing abroad can donate any amount tax free. In addition, in a parent-child relationship will no longer be necessary to quality for the exemption. Read more about tax advantages for expat homebuyers in the Netherlands.

In the Netherlands, a mortgage is formally arranged after you have made an offer on a property and it has been accepted. They can give you a quote which, once you sign to agree the terms and conditions, will be valid for three months. It is usually possible to get an extension if the property transfer is going slowly. Mortgages may be arranged directly with lenders typically the larger banks or via a mortgage advisor hypotheekadviseur. Additionally, according to the Financial Timesmortgage loans are increasingly originating from private funds acting on behalf of institutional investors regiepartijen.

Before werkgeversvrklaring crisis, the main Dutch banks controlled around three-quarters of the Dutch mortgage market, but this landscape is increasingly changing as pension funds, insurance companies, small banks and foreign mortgage providers enter the market. In order to arrange a mortgage, an werrkgeversverklaring of the property must be made by a certified appraiser. It is advisable to have this done before you agree on a sale price as this could be a key piece of information.

Structural surveys are typically not required to get a mortgage — your lender can provide you with the full list of what an appraisal must cover. The mortgage deed must also be signed in front of a notary notaris and this is usually done at the same time as completion of the property transfer, by the same notary.

There are two main types of mortgages available in the Netherlands: Below is an explanation of the main Dutch mortgages available including a translation for each mortgage in Dutch. The borrower repays a fixed sum each month, which covers the interest and a slice of the capital.

Repayments are fixed over the entire period. The borrower repays a fixed amount of the capital each month, plus a fluctuating amount of interest. Repayments will go down over the loan period. There is a wide range of options available in both werkgeversvedklaring, covering most mortgage types found elsewhere, such as a fixed or variable interest rate and savings-offset accounts.

Unusually, it may be possible to fix interest rates for long periods, up to 10 or even 30 years. Dutch mortgages are typically arranged for werkgrversverklaring period of 30 years. In the years since the financial crisis, the Dutch government has instituted a range of measures that have affected the housing market and property purchases. This includes banning interest-only mortgages where the loan amount is greater than 50 percent of the value of the property.


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If you are not a first-time buyer, it may be possible to get a combination mortgage, where part of the mortgage is interest-only and part a repayment mortgage. The NHG Nationale Hypotheek Garantie is a scheme that guarantees repayment of a mortgage, even if the borrower becomes unable to do so directly.

This means that if, for example, you become unemployed and can no longer repay your mortgage, your property will still be seized and sold. However, if the value of your property is lower than the value of your mortgage eg. The NHG reduces the cost of lending, and lenders in turn offer NHG participants a lower interest rate, typically up to 0.

Click to the top of our guide to Dutch mortgages. This information is provided as a guide only.

It is always advised to seek the help of a specialist as each individual case is different. This site uses functional cookies and external scripts to improve your experience. Which cookies and scripts are used and how they impact your visit is specified on the left.

You may change your settings at any time. Your choices will not impact your visit. These settings will only apply werkgevervserklaring the browser and device you are currently using. Your guide to Dutch mortgages. Last update on December 13, Costs related to the National Mortgage Guarantee, if applicable see below. The following are usually tax deductible: How to apply for a mortgage in the Netherlands In the Netherlands, a mortgage is formally arranged after you werkgeversvwrklaring made an offer on a property and it has been accepted.

ING Bank Dutch only. Rabobank mortgages section in Dutch only. May 16, Buying a property in the Netherlands. January 11, Seven werkgeversverklaribg to look for when buying a house in the Netherlands.

June 19, Buy-to-let mortgages in the Netherlands. December 29, Apartment — Oelerweg — gn — Hengelo.

December 29, Apartment — Oostmaaslaan — ap — Rotterdam. Wwerkgeversverklaring 29, Apartment — Dr. December 11, Expats at Work in the Netherlands: December 11, Expat Students in the Netherlands: December 11, Expat Voices of the Netherlands: August 28, Fashion Outlet Shopping in the Netherlands.

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