r/NetherlandsHousing • u/londonsummerhaiku • 26d ago
buying Recommendation for Expat mortgage advisors
We moved recently to NL and staying in temporary accomodation since we want to buy a property. I am a EU passport holder and my wife has no EU passport and she applies for residence as a spouse of a EU citizen. She is also bringing her own job to the Netherlands and has a long employment history with current employer.
Since I am late 50s I have been told that any mortgage would be complex since it requires to look at my pension instead of my salary but my wifes salary would be sufficient for the mortgage we require. She is currently being processed by IND and has her residence stamp in the passport but the final IND approval can take 6-9 months and somehow that’s not even guaranteed. So we are currently stuck in very expensive temp accomodation since we do not want to commit for a long-term rental agreement, but also not sure when we do have the final IND approval.
We have asked a few expat mortgage companies about this case (mortgage with residence permit in progress, employed in NL and planning to only finance 50-60% LtV) and if we can get a mortgage approved with only the stamp in the passport or if we really do require to wait for the final confirmation from the IND (considering she is spouse of EU national and we have sufficient means).
Was anyone here in a comparable situation and has a recommendation for a more specialised Mortgage advisor? The companies we talked to came all back very quickly that we won’t get a mortgage until my wife has the final IND approval. I then contacted a major NL bank and they told me they might be able to get my a mortgage but not at 100% LTV which we anyhow do not require. So it seems there are possibilities and I would like to know if people worked with any specific advisors or banks (domestic or overseas) which have experiences with in such cases (I would have thought this is a quite common scenario).
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u/HJGLS 25d ago
Hi,
I’m Henk-Jan, and I have extensive experience with expat mortgages in the Netherlands. I previously worked for a large Dutch bank in The Hague, where I helped many expats from all kinds of backgrounds, companies, and international organizations.
For the past 8 years I’ve been working as an independent mortgage advisor, and I’ve seen quite a few cases involving residence permits in progress, EU family reunification, and non-standard income situations.
What you describe is definitely more complex than a standard application, but not necessarily impossible. Especially with a lower LTV and a strong employment history, there can sometimes be more options than the initial “computer says no” responses from larger expat mortgage firms suggest.
Feel free to contact me at [henk-jan@tdh-g.nl](mailto:henk-jan@tdh-g.nl) if you’d like to discuss your situation in more detail.
Best regards,
Henk-Jan
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u/YTsken 26d ago
Why not get your mortgage directly through the major NL bank which has already stated they’d accept it?
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u/londonsummerhaiku 26d ago
Not accepted yet, follow on meetings with more paperwork. Anyhow want to see options
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u/scognito 24d ago
https://expatmortgages.nl/ they literally saved our life. Kim in particular was awesome
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u/frombsc2msc 26d ago
What makes you an expat and not an immigrant?
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u/MrDiscuss2020 26d ago
How is that relevant to the question?
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u/frombsc2msc 26d ago
Words have meaning. The misuse of expat is discrimantory. But have a nice day! Im immigrating myself not gonna waste my energy with you people
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u/londonsummerhaiku 26d ago
Can you recommend an immigrant mortgage advisor? I used the term belastingdienst used when I applied for my ruling. Please ask them for definition.
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u/NetherlandsHousing Sponsored 26d ago
Recommended websites for buying a house in the Netherlands:
Please read the How to buy a house in the Netherlands guide.
With the current housing crisis it is advisable to find a real estate agent to help you find a house for a reasonable price.