Mortgages for expats

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Are you finding it difficult to get a mortgage as an expat? Not with NIBC Direct!

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Have you already consulted a mortgage advisor?

Mortgage calculator

Easily calculate your maximum mortgage amount here. N.b. This is an indication only. Always consult your mortgage advisor for tailor-made advice.

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I want to buy a house as a expat. What are the next steps?

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  • Perhaps you already have your perfect property in mind, or you are thinking about buying your first home in the near future. The route to your dream home begins with a visit to a mortgage advisor. At the orientation interview, you’ll learn exactly how much you can borrow and what you’ll need in order to make your dream come true. A mortgage advisor can give you tailor-made advice. Find an advisor near you.

  • This is the best part of the process. You’re searching for your dream home and suddenly you’ve found it! Exciting! Now the journey really begins…

  • Has your bid been accepted? If so, it’s time to make a purchase agreement, otherwise known as a ‘preliminary contract of sale’. This document contains all the agreements made regarding the sale and purchase of the property, so be sure to read it carefully, before signing.

  • The purchase agreement is complete and the price of the property is fixed. Now it’s time to make some decisions. What type of mortgage would you prefer? How long will the fixed-rate period be? Which mortgage provider best suits your needs? Your mortgage advisor will help you arrange your financing.

  • Are you happy with the mortgage offer that your advisor has found for you? Have you reviewed it carefully? In that case it’s simply a matter of signing, then paying a visit to the notary.

  • You’ve reached the exciting final step! Once NIBC has approved your mortgage, all the documents will be sent to the notary, where you and the seller will sign the transfer of ownership. Congratulations, now you own your dream home!

Expats and NIBC Direct

  • With or without a National Mortgage Guarantee

    If you are an expat you can apply for a mortgage with us, whether or not you have a national mortgage guarantee, as long as you have lived and worked in The Netherlands for a minumum of 6 months.

  • Financing for up to 100% of the market value

    With NIBC Direct, you can finance 100% of the market value of your property. If you include energy saving measures , you can finance up to 106%.

  • Are you from outside the EU?

    If so, you’ll need a non-temporary residence permit – further information can be found on the immigration and naturalization service website . With a national mortgage guarantee, you can borrow up to 100% of the market value of your property. Without a national mortgage guarantee, you can borrow up to 95% of the market value (with the NIBC Direct mortgage), and 100% (with the NIBC Direct Extra mortgage).

  • UN, or UN-affiliated, companies

    Do you earn an un-taxed salary, or have a ‘temporary employment contract without intention’? If so, contact a financial advisor to ask about your options.

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Important things to remember when choosing a mortgage

There are 3 different types mortgage you can take out with us: annuity, linear, or interest only. Compare these different types in advance, and consider which form of repayment suits you best.

When you take out a mortgage you can fix the interest on it for an agreed amount of time. During this period your interest remains the same, so that you know exactly what you will pay for your mortgage each month.

When you buy a new place, you are busy thinking about just one thing: can I get this property, or not? However, it’s also a good idea to use this time to consider the energy consumption rating of your potential new home. Taking energy-saving measures can translate into savings in monthly energy costs, as well as increasing the comfort of your home. With NIBC Direct, you can co-finance energy-saving measures for your new home, up to 106% of its market value. This does depend on your personal situation, so be prepared to discuss it in detail with your advisor.

Why choose NIBC Direct?

  • Digital access

    You can access all your information via the personal app or portal. Adjust your mortgage, make extra repayments, or submit expense claims for renovations… Everything can easily be managed digitally via MyNIBCDirect (‘MijnNIBCDirect’).

  • Rewards for repayments

    Want to make an extra repayment? With NIBC Direct, this is no problem. Each year you can pay up to 15% of your mortgage off without facing a penalty. With an NIBC Direct Extra mortgage, you can pay off up to 20%. If you make extra repayments, you will automatically be rewarded with lower interest.

  • Construction depot

    We understand that when you are renovating you already have your hands full, and it’s better if your building fund doesn’t take too long to arrange. This is why making related declarations via the app only takes up to 2 minutes!

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Find an advisor nearby you

You can only take out an NIBC Direct mortgage via an independent advisor. Every mortgage application is unique and tailored to your personal situation. At NIBC Direct, high quality mortgage advice is essential, which is why we work with independent advisors.

You can make an appointment via our website, and the first meeting is free. Download our checklist of handy tips for your first appointment with a mortgage advisor, so that you are well prepared. Find an advisor.

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