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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. Our associated company, a separate licensed advice firm, advises on and arranges the mortgage itself.
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.
What we cover
Mortgage arranged end to end. We take on the tax that follows.
What our associated company does for you
They give the mortgage advice and arrange the mortgage. They prepare your application and guide you to completion.
What we do
We help internationals with mortgage questions in the Netherlands. We map your situation, explain your options and hand over. You keep the same contact at TaxSavers. We also take on the tax that follows.
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.
Every situation in the selector above is covered here. The tabs list them in full.
Self-employed (ZZP) or director-shareholder (DGA) of your own BV? 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? They can explain what that means for your mortgage. We cover what it means 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 also list what may affect your mortgage, such as the 30% ruling, residency status or non-Dutch documents.
From here our associated company takes over: they advise on the mortgage, arrange it and take it out with you. Their advisor compares the Dutch lenders that fit your situation.
You get your application prepared, the right documents collected and your situation explained to the lender.
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.
At your bank, you get mortgage advice based on that bank's own products. Through our associated company, you get a comparison across multiple Dutch lenders and a full look at your situation. That means your income, contract type, 30% ruling, residency status and future plans. 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.
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
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
After approval, you get the final documents checked and guidance all the way to completion.
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 →
Mortgage advice is provided by our associated company A&H Finance. 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.
They disclose the fixed fee in writing at the intro call. They do not accept lender commissions. Dutch law forbids them for mortgage intermediaries, a rule called the provisieverbod. Extra complexity is quoted separately before any work starts, never billed by surprise.
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.
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.
Help in English or Dutch
How is this page fact-checked?
We check every page for accuracy, timeliness and relevance. Each one is written and reviewed by our qualified advisors, so the information stays clear, complete and correct.
Read our editorial standardsReviews
Menno was very professional, quick and knowledgeable about very complicated investment structures. Highly recommend.
Victor was very knowledgeable, could explain the content well, and thought along with me!
Great service. There is always someone available from the team ready to help.
“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.
2 minutes. See what you can borrow.
