The first step is to explore the various mortgage options you have and to choose your mortgage provider. Our fully qualified advisor will manage the entire process for you, from identifying the best mortgage product that meets your personal needs to applying for a quote. Have you made an offer on a property and has the offer been accepted by the vendor? Then it is time to formally arrange the mortgage.
There are no formal restrictions for non-Dutch citizens buying Dutch property or applying for a Dutch mortgage. However, there are certain situations in which the mortgage provider may want to investigate your personal circumstances to predict if they will be at risk. Such as:
This is much like anywhere else, particularly following the global financial crisis.
Each bank has different requirements but as a rule, if you’re from the EU, they will probably expect you to have:
To benefit from taxes, you need to start paying off the loan immediately. Therefore only two main mortgage types are to be considered:
Mortgages that are interest-only do not offer any tax benefits and are therefore more expensive.
Wijdenes en Partners offers personal and independent advice on mortgages. We can help you finding a mortgage that has affordable monthly payments, and at the same time favorable terms and conditions. Because Wijdenes en Partners is completely independent, we can compare mortgages from practically all providers and help you find a solution that fits your needs and plans for the future.
