How much can I borrow?

The exact amount you can borrow is determined by your income, financial obligations, and the property’s value. Under ‘Calculate,’ you can use our tools to quickly estimate how much you can borrow.

In which regions does De Financiële Alliantie operate?

De Financiële Alliantie has years of experience with mortgages, allowing us to provide reliable, honest, and independent advice. This can be done not only at our office in Zwolle, but also online or at your kitchen table anywhere in the Netherlands.

Is De Financiële Alliantie independent?

A clear YES: completely independent! We provide fully independent mortgage advice. We receive no compensation from any lender; instead, our clients cover our fees. This allows us to offer all possible lenders. Together, we’ll find the best provider with the best terms and the lowest rate!

Does the 30% tax ruling increase my mortgage?

It can. Some lenders take the 30% ruling into account, which may increase your borrowing capacity. Whether it truly benefits you depends on your personal situation and future plans.

Can I use savings from abroad?

Yes. Foreign savings are accepted, as long as the origin of the funds is clear and traceable. Banks may ask for bank statements and proof of origin.

How much savings do I need as an expat?

In addition to the purchase price, you typically need around 4–6% of the property value for buyer’s costs. This amount cannot always be included in the mortgage.

Home » Expat mortgage Netherlands » Mortgage with a temporary contract in the Netherlands

Mortgage with a temporary contract in the Netherlands

Do you have a temporary employment contract and want to buy a home in the Netherlands? Many expats assume that a mortgage is only possible with a permanent contract.. but that’s not true.

At De Financiële Alliantie, we help expats with temporary contracts understand their options. In many cases, a mortgage is possible, even without a permanent employment contract. We compare 41 mortgage lenders and look for solutions that fit your situation.

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Can you get a mortgage with a temporary contract?

Yes you can get a mortgage in the Netherlands with a temporary contract, provided certain conditions are met.

Dutch lenders focus on income stability, not just the contract type. This means that even without a permanent contract, there may be possibilities if:

Your income is sufficient
Your employment history is consistent
Your employer intends to continue your employment

Rated 9.9 by our clients
Transparent and independent advice
Personal and fast communication
Advisors with years of experience
Experience with expat income & contracts

The importance of an employer’s intention statement

One of the most important documents for expats with a temporary contract is the employer’s intention statement (intentieverklaring).

This statement confirms that:

Your current contract is temporary
Your employer intends to offer a permanent contract after it ends (subject to performance and business conditions)
Many lenders accept this statement as a strong alternative to a permanent contract.

We help you:

Check whether your employer can provide this statement
Assess which lenders accept it
Avoid unnecessary rejections

Mortgage options without an intention statement

Even without an intention statement, there may still be options.

Some lenders are willing to assess your mortgage application if:

You have had multiple consecutive contracts
You work in a sector with strong job security (e.g. IT, engineering, healthcare)
Your income level is high and stable
You have significant savings or equity

This is where independent advice really matters not every lender looks at these factors in the same way.

Temporary contracts and expats: additional considerations

For expats, lenders may also look at:

Your residence permit and validity
Whether your income is earned in the Netherlands
How long you have been working in your current role
Your long-term plans in the Netherlands

Our advisors are experienced with expat situations and explain clearly what applies to you.

How much can you borrow with a temporary contract?

The maximum mortgage amount depends on:

Your gross income
Contract duration
Type of contract (fixed-term, secondment, agency)
Existing financial obligations
Property value

You can get an initial estimate using our tools, but a precise calculation requires a personal assessment especially with a temporary contract.

Free, no-obligation consultation

Not sure if your temporary contract is sufficient for a mortgage?
Schedule a free, no-obligation consultation.

We’ll look at:

Your employment situation
Whether an intention statement is needed
Which lenders are realistic options
What your next steps should be

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Applying for a mortgage with a temporary contract is not a standard process.

Why independent advice makes a difference

At De Financiële Alliantie:

We provide 100% independent mortgage advice.
We compare 41 mortgage lenders to find the best fit for your situation.
We know which banks are flexible when it comes to temporary contracts.
We explain everything clearly, in English, without unnecessary jargon.
We guide you step by step throughout the entire mortgage process.

One of our advisors, Carla, has experienced the Dutch housing system as an expat herself and understands the uncertainty that can come with temporary employment.

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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.

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.

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.

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.

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.)