Your first Dutch home
Understand your budget before you start viewing. We guide you through the financing of your first home in the Netherlands.
DUTCH MORTGAGES. HUMAN ADVICE.
A new country.
A place to call home.
Your life in the Netherlands starts with possibilities. We help you navigate your mortgage, with personal advice and a clear plan from the first conversation to the keys.
MORTGAGER × FERENC FINANCE
NL
52° N · 5° E
52° N · 5° E
✓ Independent mortgage advice✓ Online or in our Almere office✓ Free introductory meeting
You bring the plans.
We make the mortgage clear.
Buying in another country brings plenty of questions. We take time to understand your work, your plans and what feels comfortable each month. Then we explain the options in language you can follow.
A different kind of income
A temporary contract, your own business or international income? Let’s explore how lenders assess your situation.
Your next move
Moving home or changing your mortgage? We help you weigh up the costs, conditions and long-term fit.
MORTGAGER
From first hello to front-door keys.
Meet & explore
Tell us about your plans. In a free introduction, we discuss your situation and explain our service and fees.
Know your options
We assess your documents, borrowing possibilities and monthly budget, and compare suitable mortgage options.
Arrange your mortgage
Once you have a property, we guide your application and keep you informed about documents and lender decisions.
Make yourself at home
After lender approval, you sign at the notary. We remain your point of contact when your circumstances change.
Can I get a mortgage as an expat?
It may be possible. Lenders assess income, debts, residence status and the property. We review your individual circumstances before discussing suitable options.
Do I need a permanent employment contract?
Not always. A temporary contract may be accepted with the right evidence. Self-employed income needs a different assessment. The requirements vary by lender.
How much can I borrow?
That depends on income, financial obligations, interest rates, the property and lender criteria. A personal assessment is more useful than a simple salary multiplier.
What is NHG?
Nationale Hypotheek Garantie is the Dutch mortgage guarantee scheme. It can offer a safety net in certain circumstances. Eligibility, property limits, fees and residence requirements apply; we check the current rules for your case.
Your next chapter starts
with a conversation.
No need to have it all figured out. Bring your questions.