How to secure a mortgage in the Netherlands?

When buying a home in the Netherlands you need to obtain a mortgage first, which involves a financial and legal agreement with a Dutch bank or other officially recognized third party. There are no “formal” restrictions for expats when buying a property or when applying for a mortgage. Please note that if you are relatively new to a job in the Netherlands or when you have a non-EU nationality banks will be cautious in the enforcement the rules.

Please consider that each bank has different requirements. The below minimum must be met by all banks to obtain a mortgage as an expat:

  • A valid passport;
  • You have lived in the Netherlands for at least for 6 months;
  • You are in possession of a BSN number;
  • An employment contract;
  • Employers’ declaration (when you are not in possession of a permanent employment contract);
  • If you’re from a non-EU country, you need to prove your residence permit can be extended.