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 » Team » Aart Groenendijk

Aart Groenendijk

Certified Mortgage Advisor

Welcome! My name is Aart. I’d like to share a bit more about myself. So let’s get started…

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Every day, I work with great enthusiasm as a financial advisor, traveling all over the country from the beautiful watersport province of Friesland. My children have moved out, and I live in Leeuwarden with my partner.

With 30 years of experience in the financial sector, I’m passionate about helping individuals and businesses with their financial questions and challenges. In addition to the legally required certifications, I am also registered as a Certified Mortgage Advisor and Certified Financial Advisor. I’m also listed in the national registry for certified buying and selling advisors.

In addition to working with first-time and move-up homebuyers, I also spend a lot of time assisting expats. In our work, we’re privileged to walk alongside our clients in their search for responsible financing for a home or commercial property. Even when it comes to financing resulting from a divorce or other less pleasant situations, our work remains fulfilling and rewarding.

In my free time, you can often find me on the water or skiing. One of my great hobbies is assisting disabled skiers with SHOS, a volunteer organization that enables winter sports for individuals with disabilities. I believe that a good balance between work and personal life is essential for a happy life. Additionally, I stay updated on the latest developments in the financial world to provide my clients with the best advice.

I look forward to meeting you and working together on your financial goals!

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

Ask our financial specialist Aart your question or have him call you back

De Financiële Alliantie

Govert Flinckstraat 1 8021 ET Zwolle
+31384214457
info@dfamail.nl

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