Mortgage advice
For anyone who wants the shape of it first: which lenders suit you and what they check. It is the broadest of the three.
Your mortgage in the Netherlands
Arranging a mortgage here, changing the one you have or putting it in your return. A permit or foreign income shapes the first. Start with the question that is yours.
Written by
Tim van HulstTeam Lead Mortgage
Reviewed by
Kim van der MandenCertified Mortgage Insurance and Wealth Advisor
Updated 4 September 2026
Where to start
Can we help with your mortgage in the Netherlands?
Yes. Our associated company, a separate licensed advice firm, arranges the mortgage. We take on the tax that follows.
Tim works for them, our associated company, and is your point of contact throughout the advice. Rates and borrowing figures come up in mortgage advice.
This page covers the home you live in. A rental or a holiday place follows other rules.
We advise on tax. Insurance and pension advice work the same way.
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Arranging a mortgage
Are you about to arrange a mortgage?
Which of these three describes you?
Full picture first. You want an overview before you pick a route.
A first purchase. You are buying for the first time here.
Your own business. You run a business of your own.
A permit or income from abroad changes which lenders will look at you. Which lender fits is a conversation rather than a calculation. It is what mortgage advice is for.
The three pages below take those starting points one at a time.
Buying a home on leased land? The erfpacht page sits further down.
Borrowing from family for the purchase? The family mortgage page sits further down too.
A first-time buyer mortgage
For a first purchase in the Netherlands, including what a temporary contract or a recent arrival means for it. It assumes you have not done this before.
A self-employed mortgage
For freelancers and business owners, whose figures a lender reads differently from a payslip. It covers what they ask for and how far back they look.
Your current mortgage
Do you already have a mortgage?
Then the question is usually whether it still fits. Rates move and incomes change. The mortgage you took out then was built for a different life.
Each page below covers something that changes the cost or the tax treatment. Pick the one that fits your own mortgage. Leaving the Netherlands and keeping the home? Let us know.
Refinancing your mortgage
For a mortgage you already have and want to move or renegotiate. It covers when switching is worth looking at and what doing it costs.
A family mortgage
For borrowing from a parent or another family member instead of a bank or alongside one. It sets out how the Belastingdienst (Dutch tax office) treats that loan.
Leasehold land
For a home on land you lease rather than own, the erfpacht arrangement. It explains what the ground rent is and how the Belastingdienst treats it. It suits buyers and owners alike.
Tax return
What does your mortgage do to your tax return?
Enough that it is worth going through once and then checking each year. Several parts of it can show up in the return.
The four pages below are part of our tax section. Each one is about the return rather than the mortgage. Read the one that matches your own return.
Leasehold and a family loan also affect your return.
Do you own a home abroad as well? Say so when you call.
Mortgage interest
For the interest you pay on the loan for the home you live in, which is deductible under conditions. The page sets out which conditions.
Early repayment penalty
For the boeterente, the early-repayment penalty a lender charges when you repay or switch ahead of time. It explains when that charge is deductible.
A construction deposit
For the bouwdepot, the sum a lender holds back for building or renovation work. It covers how the Belastingdienst treats the interest on that money.
Sale proceeds rule
For the bijleenregeling, the rule that limits your new deductible loan after a sale. It explains how far that reaches.
Replies within one working day
“Most people arrive with one question and find there are three underneath it. I would rather take those apart together than guess at the answer.”
Tim van Hulst
English or DutchFirst purchasesSelf-employed income
Your contact
Not sure which mortgage question is yours?
You do not have to know the answer before you call. Describe your plan to Tim and he says which page covers it. Tim works for A&H Finance, our associated company.
Mortgage advice is provided by our associated company. They advise you, arrange the mortgage and invoice you. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
Book your mortgage call
RecommendedPick a time that suits you. Bring the plan you have.
Call us
FastestCall +31 20 2170120 and ask for Tim.
Message us on WhatsApp
Any timeSend your question when it suits you and pick the answer up later. Handy when you are between things.
TaxSavers · Amstelveen · tax advice across the Netherlands
Frequently asked
Mortgage questions we get most
The questions people bring us before they know which page they need. Yours not here? Ask Tim
Can I get a mortgage here on a temporary contract?
It depends on more than the contract. A lender looks at your income, how long you have been here and what your employer says about carrying on. Lenders differ from each other on this. Mortgage advice is the page that compares them on it.
Does the 30% ruling change what I can borrow?
Lenders treat it differently from one another. The ruling changes what you take home rather than what you earn on paper. Not every lender counts it the same way. Raise it early, because it can change which lender suits you. Mortgage advice covers that comparison.
Do you arrange the mortgage yourselves?
No. Arranging the mortgage sits with our associated company. We introduce you and your tax stays with us.
Which of these belongs in my tax return?
That depends on the loan and on the home it paid for. The conditions are what the mortgage interest deduction page is for. A second home or a place you rent out follows its own rules. Ask on the call before you file.
What does it cost to talk to you?
The mortgage advice has its own price. So does the tax work. How much work a mortgage takes differs a lot from one person to the next. You get the price before you decide anything.
What if none of these three questions is mine?
Then book a call rather than pick a page. Describe the situation and we say where it belongs. Leaving the Netherlands or renting the place out sits here too. If it turns out we are not the right people for it, you hear that too.
Can I get a mortgage on a temporary residence permit?
The permit is one of several things a lender weighs. Your income and your time in the Netherlands count too. A short Dutch credit history is normal for a recent arrival. Take it to mortgage advice, where lenders are set side by side.
Are you authorised to give mortgage and insurance advice?
TaxSavers advises on tax, not on mortgages, insurance or pensions. For those we work with A&H Finance, a trade name of New Business Group B.V. They hold the AFM licence (12017511) and they advise and arrange. We introduce you and take on the tax that follows.
Your next step
Start with the question you have
Book a mortgage call and say what you are trying to do. The call itself commits you to nothing.
What's included
We look at your whole situation
One conversation to work out where your question belongs
Your mortgage and your return raised in the same call
Nothing to sign