The mortgage for Expats
Once you lived and worked in the Netherlands for at least 6 months it is possible to apply for a mortgage either with or without National Mortgage Guarantee (NHG).
Applicants from outside the EU / EEA must have a residence permit for non-temporary purposes. You can find more information on the immigration and naturalization website.
You can finance up to 100% of the market value of the house. If you come from outside the EU / EEA, you can borrow up to 95% of the market value of the house in case of non NHG, with NHG you can borrow 100%.
When you reach a lower risk class with your loan-to-value you are automatically rewarded with a lower mortgage interest.
You can choose from fixed interest rates periods up to 30 years.Our interest rates
For more information about the NIBC Direct expats mortgage we advise you to contact a financial intermediary.