There are currently many changes in the mortgage industry. The mortgage experts at de Kredieter are happy to keep you informed of new developments and options.
Expat mortgage upfront costs in Amsterdam typically add up to 3 to 6 percent of the purchase price, on top of the deposit you pay after signing the preliminary purchase agreement. That means budgeting for notary fees, a valuation, mortgage advice, and sometimes a National Mortgage Guarantee (NHG) premium, mostly from your own savings rather than the mortgage itself. Get the numbers wrong and you can end up short of cash exactly when the notary is waiting for a bank…
For an expat mortgage in the Netherlands you generally need your passport or ID with BSN proof, your last three payslips, an employer statement, your employment contract, your most recent income tax return, a BKR credit overview and bank statements showing your own funds. If you are self-employed or benefit from the 30% ruling, a few extra documents come into play. Getting this paperwork right before you start looking at properties saves weeks of back and forth later. What Documents…
Yes, you can get a foreign income mortgage in the Netherlands as an expat, but there is one catch most people do not expect: your salary usually needs to be paid in euros. Foreign currency income is something most Dutch lenders simply will not accept, even if the amount on paper looks more than enough. That difference between "foreign income" and "income from a foreign employer" trips up a lot of people early in the process. Can You Get a…
