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 » Mortgage and interest » Applying for a mortgage in the Netherlands

Applying for a mortgage in the Netherlands

Are you ready to buy a house, renovate your home, or invest in a second home or vacation property? Then you need a mortgage. Applying for a mortgage yourself can be overwhelming due to the wide range of options.

At De Financiële Alliantie, we are ready to assist you with your mortgage application. One of our advisors, Carla, has been through the Dutch housing process as an expat herself. She knows how confusing Dutch mortgage rules can feel at first and helps you navigate the process with calm, clear explanations in English.

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Why applying for a mortgage with guidance makes the difference

Nowadays, you can apply for a mortgage online with some lenders. This may seem attractive, but it’s not always the best choice. Comparing the terms and interest rates yourself can be challenging if you’re not familiar with the world of mortgages. A mistake can easily be made and could end up costing you a lot of money.

With us, you can be assured of securing a mortgage with the best terms and a competitive interest rate. Our experienced advisors listen to your needs and find the best mortgage for you.

Why good mortgage advice saves you money

Applying for a mortgage through De Financiële Alliantie is an investment that pays for itself. Although there are costs associated with our service, you save significantly in the short and long term.

Because we compare more than 40 mortgage lenders, including banks that are flexible with expats, temporary contracts and international income, we can often secure:

Lower interest rates
Better conditions
More flexibility in the long run

Over the full term of your mortgage, this can easily save you thousands of euros far outweighing the advisory costs.

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

Different types of Dutch mortgages explained

Not all mortgages are the same. During your mortgage application, we help you choose the structure that fits your situation and future plans.

Annuity mortgage
Your gross monthly payments remain stable during the fixed-interest period. In the beginning you pay more interest and less repayment; over time this gradually shifts.

Linear mortgage
You repay a fixed amount each month. Because your outstanding debt decreases faster, your monthly payments gradually go down.

Interest-only mortgage
You only pay interest each month and repay the loan at the end of the term. This option is more limited today and often combined with another mortgage type.

We explain the pros and cons of each option clearly, so you understand what you’re choosing now and in the future.

How does applying for a mortgage work?

Are you unsure how to apply for a mortgage? Don’t worry; we are here to guide you! At De Financiële Alliantie, transparency is a top priority, and we are happy to explain how we help you find the best mortgage.

Wishes and life goals:
First, we take the time to thoroughly discuss your wishes and life goals. This can be at your home, at our office, or, if you prefer, digitally. We fully adapt to your preferences, and the first meeting is always completely without obligation!
Financial situation:
Next, we dive into your financial situation together to gain a clear understanding. This forms the basis for our advice so we can find the perfect mortgage for you.
Compare:
Based on our conversation and your financial situation, we create a comprehensive comparison. We not only look at the mortgage interest rates but also at the terms of each loan.
Complete and independent advice:
Because we work with all mortgage providers, we can offer you complete and independent advice. Everything is tailored to your personal situation, making it much easier and more enjoyable to find the best mortgage.

We believe in a personal approach and strive for your complete satisfaction. Together, we will make your financial dreams a reality!

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Advantages of applying for a mortgage with De Financiële Alliantie

Why choose De Financiële Alliantie? Here’s what we stand for:

Accessible: We make complex financial matters simple and understandable for everyone.
Trust: With years of experience, we provide reliable, honest, and independent advice.
Customer-focused: We listen to your wishes and find the best solution for your situation.
Expertise: Our highly qualified advisors are always ready to provide expert advice.
Collaboration: We work closely with (local) partners and all lenders for the best results.

One of our advisors, Carla, has been through the Dutch housing system as an expat herself and understands the uncertainty that often comes with applying for a mortgage in a new country.

Make an appointment for a non-binding conversation

Looking for help with your mortgage application? Schedule a non-binding conversation now! Whether you want to visit us at our office, have us come to your home, or discuss online, we are here for you. Fill in your details, and we will quickly get in touch to discuss your mortgage application.

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

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

Settled well together.

Are you also looking to take a mortgage with the help of De Financiële Alliantie?

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Independent mortgage advice

mortgages arranged since 2018

Our customer satisfaction score according to Advieskeuze.nl!

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.

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