Mortgages for Expats in The Netherlands
One-Stop Home Buying Support
Buying a house in the Netherlands as an expat can feel overwhelming. The Dutch mortgage system, income tax rules and legal steps are very different from what international buyers are used to. That’s why Honq Makelaardij works closely with trusted partners. Together, we provide a complete one-stop shop for expats buying a home in Amsterdam and beyond. From property search and negotiations to mortgage approval and notary services.
Why expats choose us
01.
One team for both real estate and expat mortgage advice
02.
Mortgage solutions aligned with your bidding strategy
03.
Faster timelines in competitive housing markets
04.
Clear guidance through the Dutch home-buying process
The Dutch mortgage process for Expats
How does this process work?
The mortgage application process in the Netherlands typically follows four steps:​​​​
1. Financial assessment – Income, savings and borrowing capacity are reviewed
2. Mortgage advice – Comparison of lenders, interest rates
and conditions
3. Confident bidding – You know exactly what you can offer
on a property
4. Final mortgage & notary – Legal completion and
property transfer
As an expat from Ukraine living in Amsterdam, I spent six months trying to buy an apartment on my own without an agent, but after countless viewings and overbids, I started doubting if it was even realistic. Meeting Hendrik-Jan turned out to be one of the best decisions I made: with Honq's help I bought my apartment in a little over a week. He guided me through every step, asked the right questions, assessed each property carefully and helped me choose a home that fit my needs but also made financial sense as an investment. They were always responsive, even on weekends, and stayed available after the purchase for any questions. I’m now happily living in my apartment and I’m genuinely grateful for their dedication and would wholeheartedly recommend Hendrik-Jan and his team, especially to other expats buying in Amsterdam.
Liliana, Expat from Ukraine
A worry-free home purchase
with our partners
De Kredieter's Fast Track for Expats
What is it and how does it work?
De Kredieter is our trusted mortgage advisor. Basically, the partner that compares different banks and mortgage options, checks what you can realistically borrow and guides the full application process from start to finish. With De Kredieter’s Fasttrack, a large part of the mortgage preparation is completed in advance. This allows expats to act faster than other buyers, submit stronger, more reliable offers and increase success when buying a home in Amsterdam as an expat.
Looking to buy a house in The Netherlands as an expat?
Waalstraat 25 1078BR Amsterdam
