Your first mortgage meeting in the Netherlands. Exciting? Absolutely.

The good news is this: the first mortgage meeting is mainly about clarity. It’s an opportunity to explore your options and understand
how the Dutch mortgage system works (especially important if you’re an expat). In this blog, we explain step by step what a mortgage meeting involves, how to prepare, and what you can expect.

What is a (first) mortgage meeting?

A mortgage meeting is an introductory or advisory conversation with a mortgage advisor. During this meeting, you discuss your housing wishes, income, any financial commitments, and your options for taking out a mortgage in the Netherlands.

At De Financiële Alliantie, the first meeting is free of charge and without obligation. For many expats, this is the ideal starting point to understand what is realistically possible even before actively searching for a home.

When should you schedule a mortgage meeting?

Many people assume you only need a mortgage meeting once you’ve already found a property. In reality, it’s much smarter to schedule a meeting earlier before you start viewing homes.

For expats especially, this helps prevent unrealistic expectations and gives you a strong advantage in a competitive housing market. You’ll know your budget upfront, understand the Dutch rules, and avoid disappointment later in the process.

How do you prepare for a mortgage meeting?

Good preparation creates peace of mind and makes the meeting more effective. Consider bringing or preparing the following:

• A recent overview of your income (for example, a payslip)
• Insight into your fixed monthly expenses and any debts
• Savings and other assets
• If you have a temporary contract: an employer’s statement or intention letter (not always required for the first meeting, but helpful)
• If you are self-employed or a freelancer: annual figures from the past three years

Want a quick indication of how much you can borrow? Calculating your maximum mortgage in advance helps set realistic expectations.

Related question many expats ask: Do I need permanent residency or a permanent contract?
We’ll explain how this works during the meeting, based on your specific situation. But YES getting a mortgage in the Netherlands with a temporary contract may still be possible.

What is discussed during a mortgage meeting?

The mortgage advisor will ask a lot of questions, such as:

• What kind of home are you looking for?
• What is your income and employment situation?
• Do you have existing debts, such as student loans (including loans from abroad)?
• What would your monthly mortgage payments look like?

It’s smart to ask for monthly payment estimates in different scenarios, so you clearly understand the impact of interest rates and mortgage types.

You will also discuss the main Dutch mortgage forms, such as:

• Annuity mortgage
• Linear mortgage

The advisor will explain how these work and which option best fits your situation as an expat. For a broader overview, the basic principles for a mortgage for an expat are a great place to start.

How long does a mortgage meeting take?

An introductory mortgage meeting usually takes 60 to 90 minutes.
A full advisory meeting may take longer, especially if multiple scenarios are explored and potential risks are discussed in detail.

What does a mortgage meeting cost?

The first introductory meeting is always free and without obligation.

If you decide to continue with a full advisory process, including a written advice report and mortgage mediation, the standard starting fees are:

• Mortgage advice: from €1,950
• Mortgage mediation: €860
• File and administration fee: €465

Depending on your personal situation, these costs may be slightly higher or lower. It’s also worth understanding the buying costs in the Netherlands as a whole before you start the process. A key advantage: you only pay at the notary, so there are no surprises during the process.

Do I need to submit documents immediately?

Not necessarily. For an introductory meeting, a general overview of your finances is usually sufficient. However, the more complete your information, the more accurate the advice will be.

If you want a clear answer on how much you can borrow and what your monthly payments will be, it’s best to provide as much information as possible. You may also want to explore mortgage pre-approval to strengthen your position before making an offer.

Documents Expats Need for a Dutch Mortgage

How do you choose a reliable mortgage advisor?

As an expat, it’s especially important to choose an independent mortgage advisor — someone who compares multiple lenders and does not only offer products from one bank.

Look for:

• Independence
• Proper certifications
• Clear explanations
• Experience with expats and international income situations

Final thoughts

A mortgage meeting is not an obligation it’s an opportunity.
It helps you understand the Dutch housing and mortgage system, explore your options, and make informed decisions with confidence.

Are you curious about where you stand? A free introductory meeting is an excellent way to explore your possibilities, without any commitment. We’re happy to think along with you.

Schedule a meeting