Information for expats

Welcome to the Netherlands! At RJR Hypotheekadvies, we understand that buying a home in a new country brings unique challenges. We are here to guide you as an expat in finding the right mortgage, with a personal approach and clear communication. We pride ourselves on our adaptability and our pursuit of excellence in every aspect of our service. Discover what we have to offer and see how we can contribute to your success.

Frequently asked questions for expats

What are the main benefits expats receive when working with you for their mortgage?

We are always available, offer clear and transparent advice, and have extensive experience with expats. We know the rules of the various banks and know where you can go for a suitable mortgage. We can also explain this in English to ensure everything is clear.

Can I get a mortgage in the Netherlands as an expat?

Yes, absolutely! As an expat, you can obtain a mortgage in the Netherlands under certain conditions. We are happy to help you navigate the requirements and possibilities.

How much can I borrow as an expat?

Your maximum borrowing capacity depends on various factors, such as your income, employment contract, and any other loans. We would be happy to make a detailed calculation for you during our financial check.

Do I need a permanent contract for a mortgage?

A permanent contract is often an advantage, but not always a requirement. There may also be possibilities with a temporary contract or a letter of intent. We would be happy to discuss your specific situation.

Which documents do I need for a mortgage application?

You will need, among other things, your passport/proof of identity, payslips, an employer's statement, bank statements, and possibly a historical extract from your place of residence. We will provide you with a complete checklist.

How fast can the mortgage process be?

The speed of the process depends on the completeness of the submitted documents and the processing times of the banks. On average, it takes a few weeks, but we strive to ensure everything runs as efficiently as possible.

What are the steps in the mortgage process for expats at RJR Hypotheekadvies?

1. Introduction and assessment of your wishes and financial situation. 2. Financial check and calculation of the maximum mortgage.
3. Searching for a home and making an offer.
4. Submitting the mortgage application.
5. Documents and assessment by the lender.
6. Final approval and mortgage offer.
7. Notary and handover of keys.

Which mortgage products are available for expats?

There are various mortgage products available, such as annuity mortgages and linear mortgages. We advise you on the best option that suits your personal situation and tax preferences.

Uw hypotheek, onze expertise

Bij RJR hypotheekadvies begrijpen we de unieke situatie van expats en bieden we advies dat volledig aansluit op uw behoeften. Wij staan voor kwaliteit en goede service. Sluit u aan, terwijl we samen uw droomhuis in Nederland realiseren. We zijn blij dat u hier bent om deel uit te maken van ons verhaal.