Q: 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!

Q: What types of mortgages are available today?

Here are the different types of mortgages: Annuity Mortgage: Initially, you pay mostly interest with little principal repayment. As time progresses, you repay more of the principal and less interest, keeping your gross monthly payments the same. Linear Mortgage: You repay the same amount of principal each month and pay interest on top of it. Since your debt decreases monthly, you pay less interest over time, lowering your monthly payments. Interest-Only Mortgage: You don’t repay the principal monthly; instead, you pay only the interest each month and repay the principal in full at the end of the term. Savings Mortgage: You save each month to repay the loan through a capital insurance policy. The saved amount is used to pay off the mortgage at the end of the term. This type of mortgage can only be taken out if it already exists in your current situation.

Question 1

In which regions does De Financiële Alliantie operate?

Answer

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.

Question 2

How much can I borrow?

Answer

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.

Question 3

What is the National Mortgage Guarantee?

Answer

The National Mortgage Guarantee, or NHG, is a safety net in case you encounter financial difficulties. It also usually allows you to secure the lowest interest rate!

Question 4

Do I need personal funds to buy a home?

Answer

For several years now, you can finance up to 100% of the property’s value with a mortgage. If you’re making additional sustainability upgrades, this can go up to 106%. Additional costs, however, must be covered with personal funds. In a no-obligation consultation, we’ll make this fully transparent so you know exactly how much personal savings you’ll need.

Question 5

Can I renovate or make my home more sustainable with my mortgage?

Answer

The answer is YES. It’s possible to finance renovations and sustainability improvements with your mortgage. We’ll need to consider your current mortgage and the property’s value after renovations. We’ll review this together with you!

Question 6

What additional costs are there with a mortgage?

Answer

When taking out a mortgage, you’ll encounter additional costs. The main ones are: valuation fees, notary fees, mortgage advice, NHG costs, and transfer tax. Fortunately, there’s also a first-time buyer exemption for the transfer tax.

Question 7

Is De Financiële Alliantie independent?

Answer

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!

Question 8

What types of mortgages are available today?

Answer

Here are the different types of mortgages:

Annuity Mortgage: Initially, you pay mostly interest with little principal repayment. As time progresses, you repay more of the principal and less interest, keeping your gross monthly payments the same.
Linear Mortgage: You repay the same amount of principal each month and pay interest on top of it. Since your debt decreases monthly, you pay less interest over time, lowering your monthly payments.
Interest-Only Mortgage: You don’t repay the principal monthly; instead, you pay only the interest each month and repay the principal in full at the end of the term.
Savings Mortgage: You save each month to repay the loan through a capital insurance policy. The saved amount is used to pay off the mortgage at the end of the term. This type of mortgage can only be taken out if it already exists in your current situation.

Question 9

What is the first-time buyer exemption?

Answer

The first-time buyer exemption provides a tax benefit for young homebuyers. Under certain conditions, you don’t have to pay transfer tax when purchasing your first home.

To qualify, you must meet the following criteria:

Age: You must be between 18 and 35 years old at the time of purchase.
First property purchase: This must be your first time claiming the first-time buyer exemption.
Primary residence: You must live in the property yourself and not rent it out.
Maximum property value: In 2024, the property’s value must not exceed €510,000.

These conditions offer young buyers a financial incentive when buying their first home, reducing the amount of personal funds needed.

Question 10

Is there a risk with an interest-only mortgage?

Answer

With an interest-only mortgage, you only pay interest during the term, with no monthly principal repayment. At the end of the term, you’ll need to repay the full mortgage amount. This can be done with personal funds, a new mortgage, or by selling your property. If you’d like a clearer view of the risks, invite us for a no-obligation consultation.

Question 11

Can expats get a mortgage in the Netherlands?

Answer

Yes. In most cases, expats can get a mortgage in the Netherlands, even without Dutch nationality or permanent residency. Banks mainly assess your income, contract type and financial stability.

Question 12

Do I need permanent residency or Dutch citizenship?

Answer

No. You do not need Dutch citizenship or a permanent residence permit. Some lenders require you to have lived and worked in the Netherlands for a short period (often between 1 and 6 months).

Question 13

Can I get a mortgage with a temporary contract?

Answer

Yes. A temporary contract is usually accepted if you have an employer’s statement of intent. In some professions, a mortgage may even be possible without this statement.

Question 14

Can expats get a 100% mortgage?

Answer

Yes. Many expats can finance up to 100% of the property’s market value. You do need your own savings to cover buyer’s costs such as tax, notary fees and advice costs.

Question 15

How much savings do I need as an expat?

Answer

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.

Question 16

Can I use savings from abroad?

Answer

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.

Question 17

Is foreign income accepted for a Dutch mortgage?

Answer

Often yes. Income earned within the EU is commonly accepted. In some cases, income from outside the EU may also be accepted, depending on the lender and situation.

Question 18

Does the 30% tax ruling increase my mortgage?

Answer

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.

Question 19

Can bonuses or commissions be included?

Answer

Sometimes. Bonuses are usually averaged over several years, while commissions are assessed based on consistency and stability.

Question 20

What if my employer is not based in the Netherlands?

Answer

That is usually not a problem. International employers are commonly accepted by Dutch lenders.

Question 21

How long does a mortgage application take?

Answer

On average, the process takes 4 to 6 weeks from application to final approval.

Question 22

Can I get mortgage approval before bidding?

Answer

No formal approval is possible before bidding. However, a mortgage advisor can calculate your maximum borrowing capacity so you can bid with confidence.

Question 23

What mortgage types are available for expats?

Answer

The most common mortgage types are:
- Annuity mortgage
- Linear mortgage
- Interest-only mortgage (for part of the loan)

Question 24

Which mortgage type is best for expats?

Answer

There is no single best option. Many first-time buyers choose an annuity mortgage for stable monthly payments, while others prefer a linear mortgage for lower total interest costs.

Question 25

Is an interest-only mortgage possible for expats?

Answer

Yes, but usually only for part of the mortgage. Interest-only loans are subject to limits and mortgage interest is not tax-deductible for new loans.

Question 26

What documents do expats need for a Dutch mortgage?

Answer

Key documents include:

Valid passport or ID
BSN number
Proof of income (payslips, employer statement)
Purchase agreement and valuation report

Additional documents may be required for foreign income or self-employment.

Question 27

Do documents need to be translated into Dutch?

Answer

No, the full process can be done in English.

Question 28

Are digital documents accepted?

Answer

Yes. Digital documents are standard, as long as they are complete, readable and preferably provided as PDFs.

Question 29

Do expats need a mortgage advisor?

Answer

Not mandatory, but highly recommended. Dutch mortgage rules differ from many other countries, and expat situations often involve additional complexity.