De Financiële Alliantie

Hiring a mortgage advisor in the Netherlands: why expats benefit from independent advice

Arranging a mortgage in the Netherlands can feel overwhelming (especially if you’re an expat). Dozens of lenders, different rules, strict deadlines and unfamiliar terminology can quickly turn an exciting step into a stressful one.

That’s exactly why working with an independent mortgage advisor makes such a difference.

At De Financiële Alliantie, we help expats navigate the Dutch mortgage system with clarity, structure and confidence. We compare 40+ mortgage lenders, explain everything in plain English and guide you through the entire process from first questions to the notary.

Meet our Expat mortgage consultant Carla

Carla, has been through this process herself. As an expat, she understands the questions, uncertainties and decisions you may face.

Carla zonder achtergrond

Our Partners! The widest range of mortgages and insurance. Settled well together.

Allianz
Blg Logo
Munt Hypotheken
NNEK Vermogensopbouw
Vista Hypotheken
Bunq Logo
NIBC
Asn Logo
Tulp Hypotheken
Ing
ABN AMRO
Obvion Hypotheken
Syntrus Achmea
Nationale Nederlanden
ASR
Triodos Bank
Florius
Attens Hypotheken
Centraal Beheer
Aegon
Rabobank
De Financiële Alliantie

Why expats choose an independent mortgage advisor

A mortgage is not something you arrange every day. For expats, arranging a mortgage is often more complex due to:

  • Temporary or flexible contracts
  • International career paths
  • Residence permits
  • Tight purchase deadlines
  • Unfamiliar Dutch mortgage rules

An independent mortgage advisor filters the noise, assesses feasibility upfront and prevents costly mistakes.

We don’t work for banks. We work for you.

One advisor, full guidance from start to finish

At De Financiële Alliantie, you’re not passed from department to department. You have one dedicated advisor who coordinates the entire process.

We support you with:

  • Purchasing your first home
  • Buying your next home
  • Refinancing or increasing your mortgage
  • Using home equity
  • Navigating expat-specific lender criteria
  • Family mortgage (financial support from family)

Whether you’re just exploring your options or already have an accepted offer we guide you step by step.

What does a mortgage advisor cost? And what does it deliver?

Mortgage advice isn’t free but good advice often pays for itself.

At De Financiële Alliantie, the first orientation meeting is always free and without obligation. During this meeting, we explain your options, answer your questions and assess whether it makes sense to move forward.

If you decide to continue with a full advisory process, including a personalised mortgage report and mediation with the lender, we work with clear and transparent fees:

  • Mortgage advice fee: from €1,950
  • Mediation fee: €860
  • File handling fee: €465

Depending on your situation, these costs may be slightly higher or lower. We always explain this upfront, so you know exactly where you stand.

An important advantage: you only pay these costs at the notary, once your mortgage is finalised. No unexpected invoices during the process — and no surprises afterwards.

Because we work with all lenders:

  • We Compare Interest Rates And Conditions
  • We Prevent Unnecessary Costs
  • We Avoid Lenders That Don’t Fit Your Profile
  • We Select Banks That Move Fast When Timing Matters

Over the lifetime of a mortgage, the difference in structure, interest and conditions can easily amount to thousands of euros. That’s why independent advice is not just a cost it’s a long-term financial decision.

De Financiële Alliantie

Why De Financiële Alliantie?

20+ experienced mortgage advisors

  • 20+ experienced mortgage advisors
  • Dedicated expat specialist – including Carla, who has experienced the Dutch housing system as an expat herself
  • Rated 9.9 on Advieskeuze
  • Fully independent advice
  • Thousands of clients helped over nearly 20 years
  • Clear communication in English
  • Mortgages & insurance under one roof
De Financiële Alliantie

Settle well together

How the mortgage process works for expats

Introduction & orientation

We start with a personal conversation. We discuss your goals, budget and plans — not just numbers, but context.

You’ll gain insight into:

  • What you can borrow
  • What you want to borrow
  • Expected monthly payments
  • Risks and timelines

Document preparation

You receive a clear checklist of required documents, such as:

  • Income details
  • Employment contract
  • Identification
  • Property information

Complete documentation speeds up the process significantly.

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Advice & application

Based on your situation, we create a tailored mortgage recommendation. We explain everything clearly and submit the application on your behalf.

Lender assessment

The lender reviews your file. If additional questions arise, we handle them quickly and professionally.

Once approved, you receive a binding mortgage offer.

Completion & notary

After signing, the notary finalises the mortgage and ownership transfer. Your home is officially yours.

And yes we remain available even after completion.

Is a mortgage advisor necessary for expats?

Legally? No.
Practically? Almost always.

A mortgage is one of the biggest financial commitments you’ll make in the Netherlands. Independent advice ensures nothing is overlooked especially when rules, timing and lender behaviour differ from what you may be used to.

Want to explore your options?

Schedule a free, no-obligation orientation meeting. We’ll explain your possibilities clearly, answer your questions and help you move forward with confidence.

De Financiële Alliantie
De Financiële Alliantie

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Independent mortgage advice

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mortgages arranged since 2018

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Our customer satisfaction score according to Advieskeuze.nl!

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Access to 41 independent mortgage lenders

What customers say about us

With the help of Laurens from De Financiële Alliantie, we were able to arrange the mortgage for our new home in no time. Less than two weeks after the purchase agreement, the mortgage was finalized, thanks to Laurens’s proactive approach. We had great conversations, received excellent advice, and it felt very personal. A huge thank you to De Financiële Alliantie, and especially to Laurens, for all your help! Highly recommended.

De Financiële Alliantie

Erik en Mirjam via Google.nl on 18-7-2024

Laurens Thunnissen

We were recently very well assisted by De Financiële Alliantie regarding our mortgage application. Mr. Eric Fillet (advisor) helped us navigate the maze of the financial world. We highly recommend Mr. Fillet.

De Financiële Alliantie

Fam. van der Heide via Google.nl on 12-7-2024

Eric Fillet

We worked with Magda from De Financiële Alliantie. She really went above and beyond for us. Since my husband is a business owner, there are many rules to navigate when obtaining a mortgage. Thanks to Magda’s perseverance, clear explanations, and determination, we were able to secure the mortgage we wanted. Additionally, she is very pleasant to work with.

De Financiële Alliantie

Ida Hoekstra via Google.nl on 12-7-2024

Magda van Veen

We received excellent assistance from Robin once again. He takes the time for you and always answers his phone. Communication is quick, and the advice is professional.

De Financiële Alliantie

Wessel Idzerda via Google.nl on 11-7-2024

Robin van Dam

Having used the services of DFA three times, they have consistently provided the best advice tailored to our needs! They are very committed and prefer short, personal communication. If you need financial advice, I highly recommend DFA! (In our case, for a mortgage.)

De Financiële Alliantie

E. Alten via Google.nl on 17-6-2024

Marcel van Assen

Great guidance, quick responses, and friendly people! Always available for any questions.

De Financiële Alliantie

Tim van der Kolk via Google.nl on 5-6-2024

Joost Fokke

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De Financiële Alliantie

Ask us your question directly, and we’ll get back to you shortly!

Settled well together.

Also want to get a mortgage with the help of De Financiële Alliantie?

Joost Erik Transparent 700x500

0%

Independent mortgage advice

0

mortgages arranged since 2018

0

Our customer satisfaction score according to Advieskeuze.nl!

0

Access to 41 independent mortgage lenders

What customers say about us

With the help of Laurens from De Financiële Alliantie, we were able to arrange the mortgage for our new home in no time. Less than two weeks after the purchase agreement, the mortgage was finalized, thanks to Laurens’s proactive approach. We had great conversations, received excellent advice, and it felt very personal. A huge thank you to De Financiële Alliantie, and especially to Laurens, for all your help! Highly recommended.

De Financiële Alliantie

Erik en Mirjam via Google.nl on 18-7-2024

Laurens Thunnissen

We were recently very well assisted by De Financiële Alliantie regarding our mortgage application. Mr. Eric Fillet (advisor) helped us navigate the maze of the financial world. We highly recommend Mr. Fillet.

De Financiële Alliantie

Fam. van der Heide via Google.nl on 12-7-2024

Eric Fillet

We worked with Magda from De Financiële Alliantie. She really went above and beyond for us. Since my husband is a business owner, there are many rules to navigate when obtaining a mortgage. Thanks to Magda’s perseverance, clear explanations, and determination, we were able to secure the mortgage we wanted. Additionally, she is very pleasant to work with.

De Financiële Alliantie

Ida Hoekstra via Google.nl on 12-7-2024

Magda van Veen

We received excellent assistance from Robin once again. He takes the time for you and always answers his phone. Communication is quick, and the advice is professional.

De Financiële Alliantie

Wessel Idzerda via Google.nl on 11-7-2024

Robin van Dam

Having used the services of DFA three times, they have consistently provided the best advice tailored to our needs! They are very committed and prefer short, personal communication. If you need financial advice, I highly recommend DFA! (In our case, for a mortgage.)

De Financiële Alliantie

E. Alten via Google.nl on 17-6-2024

Marcel van Assen

Great guidance, quick responses, and friendly people! Always available for any questions.

De Financiële Alliantie

Tim van der Kolk via Google.nl on 5-6-2024

Joost Fokke