What happens with equity, remaining debt and bridging finance?

If you sell your current home for more than the mortgage balance, you have equity that can help finance your next home. If you buy before selling, a bridging loan may be needed. If you owe more than your home is worth, the remaining debt might be rolled into your new mortgage, depending on lender policies. These decisions require tailored advice.

Why does independent mortgage advice matter for next-time buyers?

Next-time buyers face more complex decisions than first-time buyers. Independent advice helps you compare mortgage products, understand long-term implications, and make informed choices. De Financiële Alliantie offers clear guidance and compares offers from 41 lenders.

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 for next-time buyers: transfer your current one or take out a new one?

Buying your next home in the Netherlands

Buying your next home in the Netherlands is an exciting step but it also comes with new financial questions. As a next-time buyer, your situation is different from when you bought your first home. You may have equity, an existing mortgage, or need to decide whether to buy first or sell first. At De Financiële Alliantie, we guide you through this process step by step. One of our advisors, Carla, has experienced the Dutch housing market as an expat herself and understands how complex these decisions can feel.

Schedule a free, no-obligation consultation

Keep your current mortgage or take out a new one?

Since you’re already a homeowner, you already have a mortgage. When you move, you may be able to transfer this mortgage. The interest rate, mortgage type, and terms remain the same. This can be appealing if you took out your mortgage a few years ago when rates were much lower than they are now. As a result, taking out a new mortgage for next-time buyers could end up costing you more in the long run.

However, keeping your current mortgage is not always possible or beneficial. If your situation has changed, taking out a new mortgage may offer more flexibility or better long-term outcomes.We help you compare both options and explain the financial impact clearly, so you can make the right choice for your next home.

Buy first or sell first?

The housing market in 2026 remains highly competitive. In most areas, selling your current home is often easier than securing a new one. This can make buying first feel like the logical choice, especially if you don’t want to miss out on the right property. However, buying before selling also involves risks. You may not yet know the exact sale price of your current home, how much equity will become available, or what you can realistically spend.

Selling first provides more financial certainty, but can make it harder to move quickly in a tight market and may require temporary housing. There is no single right answer. We help you assess the risks and benefits, so you can make a well-considered decision that fits your situation.

Equity, remaining debt and bridging finance

As a next-time buyer, your current home plays an important role in financing your next purchase.

Using equity

If you sell your home for more than the remaining mortgage balance, you may have equity. This equity can often be used to finance your next home, sometimes through a bridging loan (overbruggingshyptheek) if the sale and purchase dates don’t align.

Remaining debt (negative equity)

If your home is worth less than your outstanding mortgage, a remaining debt may occur. In some cases, this debt can be included in your new mortgage, depending on lender conditions.

These scenarios differ per lender and depend on timing, income and risk profile. Independent advice is crucial here and this is exactly where we add value.

Schedule a free, no-obligation consultation

How much can you borrow when buying your next home?

Your borrowing capacity as a next-time buyer depends on:

your income and financial obligations
the value of your current and new home
your existing mortgage conditions
available equity or bridging options

To get a first indication, you can calculate your maximum mortgage online. Because multiple factors interact, a simple calculator often isn’t enough. During a consultation, we provide a clear and realistic calculation, so you know exactly where you stand before making offers.

Why independent mortgage advice matters for next-time buyers

Buying your next home involves more financial complexity than your first purchase. Decisions about timing, equity and mortgage structure can have long-term consequences.

At De Financiële Alliantie:

We provide 100% independent mortgage advice
We compare mortgages from 41 lenders
We explain everything clearly, in plain English
We guide expats and movers every day

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

More info

Need more information?

Helpful next steps

Buying your next home often involves more complex financial decisions.
The pages below help you understand your options, calculate your budget and prepare for the next step.

Monthly mortgage payments

Get insight into your expected monthly mortgage costs for your next home.

Explore mortgage types

Compare different mortgage types and see which options fit your next step as a homeowner.

How much of your home equity can you access?

Learn how using home equity or overwaarde can influence your buying options and budget.

Nl Mkt Pho Ref Nieuwbouw Twee Onder Een Kapwoning Clickbrick Zwolle (3)

Mortgage application timeline

Understand how selling your current home and buying a new one affects the mortgage process.

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Looking for more in-depth information about buying, selling or financing your next home in the Netherlands?

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

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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.)

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

Marcel van Assen

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

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

Joost Fokke