Mortgage advice for internationals in the Netherlands, including the 30% ruling, temporary contracts and non-Dutch documents.
We look at your situation and explain your options. We advise on the mortgage. Our associated company arranges it.
Answer a few questions about your income, 30% ruling and contract type. We'll show you a realistic borrowing estimate, built for internationals in the Netherlands.
Indicative only, final advice follows after a personal advisor review.
You could borrow
IndicativeApprox. €1,934 / month · 30-yr fixed at 3.8%
Financial overview
Buyer costs
€8,470
Transfer tax and notary fees, based on your answers
Renovation
€25,000
Estimated budget
Time to result
~ 2 min
After submission
What we cover
Mortgage advice from us. We take on the tax that follows.
Advice, application and closing
We give the mortgage advice. Our associated company arranges the mortgage, prepares your application and guides you to completion.
What we do
We help internationals with mortgage questions in the Netherlands. We map your situation, explain your options and advise on the mortgage.
We list what may affect your mortgage choice: the 30% ruling, temporary or freelance income, residency status, non-Dutch documents, foreign income, second homes, pensions and changing plans. Read how the 30% ruling affects what you can borrow.
Director-shareholder (DGA) of your own BV, a Dutch private limited company? Mortgage for business covers how lenders assess your income and what a BV means for your mortgage. Same advisors, same standards, different page. Moving abroad later? We explain what that means for your mortgage and for your tax.
Want to read up first? See our pages on the first-time buyer mortgage, refinancing, the self-employed mortgage and the family mortgage. Buying on ground lease? Our erfpacht guide explains it. The mortgage calculator gives you a first estimate of what you can borrow.
We map your borrowing capacity, income and contract type.
We advise on the mortgage and compare the Dutch lenders that fit your situation. Our associated company A&H Finance then arranges the mortgage and takes it out with you.
You get your application prepared, the right documents collected and your situation explained to the lender.
After approval, you get the final documents checked and guidance all the way to completion.
Packages
Not every situation needs full mortgage advice straight away. Sometimes a quick scan or short intro call is enough to see where you stand. If more is needed, we'll tell you honestly what the next step should be.
For internationals exploring their options
For internationals who want to understand what may be possible before committing to full advice.
For internationals who want full guidance
For internationals who want to buy a Dutch home with full guidance.
For internationals refinancing or with a complex situation
For internationals refinancing, switching lenders or with a more complex situation. The fee is set in your quote, not on this page.
Already a TaxSavers tax client? You get €250 off full advice.
Running a business or buying through a BV, a Dutch private limited company? Mortgage for business →
We give the mortgage advice. The application and closing run through our associated company. Do you have a complaint about the advice? Raise it with us first. If we do not reach a solution together, you can take it to Kifid, the Dutch complaints institute for financial services. A Kifid ruling is binding.
You get the fixed fee in writing before the advice starts. No lender commission is accepted, because Dutch law forbids it for mortgage advice, a rule called the provisieverbod. Extra complexity is quoted separately before any work starts, never billed by surprise.
“The bank will tell you what you qualify for. My job is to map your full situation first. Your income, your ruling, your plans five years from now. I explain what that means in plain English, before you sign anything.”
Tim van Hulst
Your advisor
Talk to the advisor who knows your file and picks up when you call. Tim works for A&H Finance, our associated company, and advises you on behalf of TaxSavers.
Pick a slot this week that suits you.
Ask an English-speaking advisor directly. Reply within one working day.
2 minutes. See what you can borrow.
At your bank, you get mortgage advice based on that bank's own products. With us, you get a comparison across multiple Dutch lenders and a full look at your situation. We explain what each option means for your tax. That way your mortgage fits not only today, but also what may change later.
Situations we often see
A couple in Amsterdam, one on a 2-year tech contract with the ruling, one freelancer. Lenders treat these profiles very differently. A comparison of seven lenders turned up two that accepted both incomes at full value. The mortgage then took shape around the ruling expiry. Their borrowing capacity turned out significantly higher than what their own bank had quoted.
A non-EU buyer with a pending IND decision. Most lenders require permanent residency, but three accept alternatives: a higher down payment, shorter fixed terms, or additional documentation. Mapping the options secured approval faster than the buyer expected. IND is the Dutch service that decides on residency permits.
A homeowner with a fixed rate from 2023, looking at lower current rates. Modelling weighed the break fee against the long-term savings across multiple lenders. The net benefit turned out to clearly outweigh the costs, something that wasn't obvious before running the numbers.
A tech worker planning to stay in NL past the ruling. Modelling covered the income drop post-ruling and shaped the mortgage so the monthly payment stays manageable after. A longer fixed period locked in a known cost across the transition and removed the uncertainty.
Reviews
The Taxsavers team gave a great and quick service. Very satisfied with the experience
Esmee from TaxSavers helped me process my provisional tax return. Quick, clear and professional service. Thanks !
These guys are real professionals and have a firm grasp on the Dutch tax laws. They are SUPER organized and do it all!
Frequently asked
Here you'll find clear answers to common mortgage questions. If your question is not listed, ask an advisor directly. Ask your advisor
Not usually without a BSN. With pending or temporary residency status, there may still be options, depending on your situation. Some lenders require a residence permit that covers the fixed-interest period. Others may accept alternative structures. We map the options before you commit to a full advice process.
A BSN is your Dutch citizen service number.
Your Dutch mortgage
Start with the quick scan or book your free intro call. The scan takes two minutes. The call takes thirty.
What's included
Advice across Dutch lenders
One fee for the whole advice process
Help in English or Dutch
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