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Do I qualify for a mortgage in The Netherlands?

If you are an expat living in the Netherlands and you are considering buying a house, you may be wondering what the possibilities are for a mortgage.

By using this tool you will find out if you qualify for getting a mortgage in The Netherlands.

Duration: Approximately 1 minute

Do you currently live in The Netherlands?*
Do you work in The Netherlands?*
Do you have a BSN number (Dutch citizen's service number)?*
Are you coming to The Netherlands?*

Unfortunately there are no options for you

Based on your given answers, we have to conclude that there are no options for you at the moment.

Feel free to fill in this tool when your situation changes.

There are no options for you yet

Based on your given answers, we have to conclude that there are no options for you yet.

When you can confirm that you will be in The Netherlands within 6 months, we recommend to fill in this tool again in order to figure out if you qualify for a mortgage in The Netherlands.

Do you receive income in Euro's?*

Unfortunately there are no options for you

Based on your given answers, we have to conclude that there are no options for you at the moment.

Feel free to fill in this tool when your situation changes.

Limited possibilities

Please be aware that the options for getting a mortgage in The Netherlands are limited when your received income is not in Euro's.

Please continue filling in the tool in order to check if there are possibilities for you.

Are you of EU nationality?*
What kind of residence permit do you have?*
Do you have a permit with a temporary or non-temporary purpose?*

Examples of temporary purposes: study, seasonal labour

Examples of non-temporary purposes: Highly skilled migrant, researchers

For an overview of all types of residence permits you can visit this website

Limited possibilities

Lenders will only allow you to borrow 85% or 90% of the value of the house if you have a residence permit with a temporary purpose.

Calculation example

If the value of the property is € 500,000, lenders will allow you to borrow 85% to 90% of this value, so € 425,000 tot € 450,000. This means that you will have to bring in € 50,000 to € 75,000 of your own savings to be able to buy the property.

Do you have enough money to bring in, in order to buy a property?*

Unfortunately there are no options for you

Based on your given answers, we have to conclude that there are no options for you at the moment.

Feel free to fill in this tool when your situation changes.

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Updates

  • Episode 3: Stay sharp on your loan-to-value ratio
  • Episode 2: Increase your income, increase your mortgage amount
  • Episode 1: Optimize the benchmark interest rate
  • Fact or fiction? #4 “If I have more savings, I can borrow more”
  • Applying for a mortgage: this is what you need

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