Expat Mortgage Amsterdam

Finding the right expat mortgage in Amsterdam can feel overwhelming. Between Dutch legal procedures, language barriers, and unfamiliar financial regulations, it's easy to feel lost. That’s exactly why so many expats turn to Start Goed Hypotheekadvies. Our tailored approach, deep knowledge of the Amsterdam housing market, and personal guidance make all the difference when buying a home in a foreign country.

We don’t just offer mortgage calculations or compare interest rates — we explain everything clearly, answer all your questions in English, and help you understand the "why" behind every decision. Whether you're working for a multinational, relocating for love, or settling down after years of global travel, we’ll help you understand your options from day one. From clarifying how Dutch mortgage tax deductions work to helping you prepare the required documents for your mortgage application, we’ve got your back.

 

Many expats in Amsterdam also appreciate our independent position. We work with over 30 lenders, so you’re not tied to a single bank's offer. Instead, you’ll get the best deal that suits your personal and professional situation. With us, your mortgage process becomes clear, efficient, and — dare we say — enjoyable. Discover why hundreds of internationals have successfully secured their Amsterdam expat mortgage through Start Goed Hypotheekadvies.

Expert guidance tailored to Amsterdam's neighborhoods

As an independent mortgage advisor specializing in expat mortgages in Amsterdam, we know the complexities and unique characteristics of the different neighborhoods of Amsterdam, from the historic canals of Jordaan to the vibrant streets of De Pijp. With over 20 years of experience, we offer personalized guidance to help you navigate the Dutch housing market and mortgage constructions.
 

Addressing crucial questions for Amsterdam Expats

During our initial meeting, we'll address crucial questions such as how much you can borrow based on your income, monthly costs, buyer fees, and residency requirements specific to Amsterdam. We'll also share local insights, such as the hidden gems of Oud-West or the up-and-coming neighborhoods like Amsterdam-Noord, known for its artistic community and stunning waterfront views.

We will cover the most crucial queries to facilitate your mortgage process:

• How much can I borrow based on my income?
• What will be the monthly cost?
• How much money do I need to put into the mortgage? (Buyers' fees)
• How long should I fix the interest?
• What kind of residence card is needed?

Many more questions will be addressed during our initial and further sessions.

Understanding the Dutch mortgage system as an expat in AmsterdamSecuring an expat mortgage in Amsterdam requires more than just paperwork — it requires a real understanding of how the Dutch mortgage system works. That’s where our expertise comes in. We know the rules inside and out, and we’re here to explain everything to you step by step, in plain English.

 

In the Netherlands, mortgages come with several unique characteristics. For example, there’s the option to deduct mortgage interest from your income tax (hypotheekrenteaftrek), a benefit unfamiliar to many newcomers. There’s also the distinction between various loan types — annuity, linear, and interest-only — each with its own pros and cons depending on your long-term plans. And let’s not forget the National Mortgage Guarantee (NHG), which may apply depending on your purchase price and can lower your risk.

 

As your expat mortgage advisor in Amsterdam, we help you understand these elements and how they relate to your financial goals, residency status, and even your future in the Netherlands. We’ll walk you through timelines, affordability checks, fixed vs. variable interest rates, and ensure your documentation — like your residence permit or work contract — meets the requirements of Dutch banks. We know that buying a home in Amsterdam isn’t just a transaction — it’s a big step in your life abroad. With Start Goed Hypotheekadvies, you gain a trusted partner who explains, supports, and empowers you throughout the mortgage process. Because understanding the system is the first step to owning your Amsterdam dream.

Meet Natalie Tobio de Koning: Your trusted mortgage advisor

Start Goed Hypotheekadvies is led by Natalie Tobio de Koning, an experienced mortgage advisor in the Amsterdam region. "I'm here to be your personal guide through the maze of mortgages and finances," says Natalie. "With over 20 years of experience in the region, I understand the nuances and challenges of the Amsterdam real estate market like no other. But above all, I understand that behind every mortgage application lies a unique story. My mission is to help you get the most out of your new or current mortgage."

 

Need expat mortgage advice? Contact us today!

Whether you're buying your first house in The Netherlands, moving to a new home in Amsterdam, or optimizing your current mortgage, you can rely on our expertise and dedication as you embark on your mortgage journey. Reach out to us for an informal introductory meeting. If you choose to work with us as your mortgage advisor in Amsterdam, you'll experience our clear and transparent approach firsthand. Together, we can turn your housing goals and dreams into reality. Start here, start well, with Start Goed Hypotheekadvies!