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Looking to buy a home in the Netherlands? We’re here to guide you every step of the way
Buying a new home can be both exciting and overwhelming — especially when you’re living in a new country. Whether it’s your first time purchasing a home or you’ve done it before, it’s always a big step. Besides finding the right property, you’ll face many questions:
Where do I apply for a mortgage? How much can I borrow? What kind of mortgage fits my situation best?
At Advies Centrum Hypotheken, we understand how complex the process can feel — even before you’ve found your dream home. Our goal is to make this journey smoother and less stressful by offering clear, personal guidance tailored to your needs as an expat.
Why Expats Choose Us
For over 30 years, we’ve helped hundreds of clients in the Netherlands and across the world with mortgages, insurance, investments, and pension planning — always with a personal touch.
Qualified
experts
Fast and
responsive service
Safe and
transparent investments
Low-risk
financial growth
From first viewing to final signature
There’s a lot to think about when buying a home especially if Dutch property laws and procedures are new to you. From creating a list of must-haves to visiting potential homes, it’s easy to get caught up in the excitement and uncertainty.
We can assist you from the very first orientation stage giving you clarity on your budget, mortgage options, and negotiation strategy. This means less stress, fewer surprises, and more confidence throughout the entire process.
At Advies Centrum Hypotheken, we value personal attention and trust. Your goals determine our approach. We don’t offer one-size-fits-all solutions; instead, we analyze your unique situation and provide tailor-made advice that fits your lifestyle, income, and future plans.
How Much Can I Borrow as an Expat?
This is often the first question and for good reason. Your borrowing capacity depends on several factors beyond your income, such as:
Your financial situation and savings
One-time and recurring costs related to the purchase
Your long-term financial and personal plans
We’ll walk you through each factor to calculate your maximum mortgage amount and find the product that best suits your needs. If your situation involves special circumstances (temporary contracts, international income, or non-EU status) don’t worry, we have years of experience helping expats with these complexities.
The best part of my job is helping people move forward. The appreciation from clients means everything — it’s what keeps me motivated every day.
Robbert de Vries / Owner ACH
Not Your Typical Mortgage Company
We take the time to understand you. We’re not a large impersonal institution we’re your trusted financial partner in the Netherlands.
What Kind of Home Can You Afford?
The type of property you can buy depends on more than just your mortgage amount. Our advisors help you explore creative financial options that might make what seems out of reach suddenly possible. There’s often more flexibility than you think, especially when guided by experienced professionals.
How We Support You Throughout the Process
Based on a detailed financial assessment and your personal preferences, we provide a clear, practical plan for your home purchase. This allows you to enjoy the journey of finding your new home, instead of feeling overwhelmed by financial details.
We’ll also prepare you for the negotiation process. Together, we’ll determine fair prices, your negotiation room, and realistic boundaries, so you can make confident decisions in a competitive housing market.
Even after negotiations, there’s still plenty to do before the final signing. Fortunately, you won’t have to handle it alone. We’ll guide you right up to the handover of your new home, ensuring every step is smooth and transparent.
Frequently Asked Questions
Read here the Frequently Asked Questions about Mortgages
How does Advies Centrum Hypotheken help me arrange a mortgage?
We take the time to thoroughly map out your personal and financial situation. Through several consultations, we look at your wishes, possibilities, and risks. This ensures you receive mortgage advice that fits your situation perfectly—without surprises later on.
Why choose independent mortgage advice?
As an independent financial service provider, we compare multiple lenders and products. This means you always get a solution that truly fits your needs—not one that favors the interests of a particular bank. Transparency and tailor-made advice are central to our approach.
Do you also help expats or people living abroad?
Yes. We have helped hundreds of clients in the Netherlands and expats worldwide with mortgages, insurance, investments, and pension planning. We understand the unique challenges of international situations and are happy to guide you through the process.
What makes your approach different from other mortgage advisors?
We are not your typical mortgage or insurance company. We take the time to get to know you, work with short lines of communication, look beyond just the numbers, and consider your full financial picture. Our goal: clarity, peace of mind, and long-term security.
Can I also come to you for insurance in addition to my mortgage?
Absolutely. We provide advice on both non-life insurance and life insurance. These can be important when arranging a mortgage and help you reduce financial risks. We ensure your insurance policies align with your living and financial situation.
What does the advisory process look like?
During the process, we:
Assess your current financial situation
Discuss your goals and future plans
Review risks and available options
Compare mortgage products
Provide clear, personalized advice
Our guidance doesn’t end after one meeting; we stay involved to identify new risks or changes in your situation on time.
Why is it important for my insurance policies to match my mortgage?
Owning a home comes with financial risks. Insurance policies such as home, contents, or life insurance may be required—or highly recommended. Having the right insurance in place protects you against unexpected expenses and provides greater financial security.
What Our Clients say
“Excellent Service!”
Robert is very experienced, professional, and calm. When I relocated from abroad, he guided me perfectly. During a sudden rise in interest rates, he acted quickly and saved me a significant amount. I highly recommend Robert and John!
“Professional, detailed, and reliable”
Robert was very detailed in every explanation, and even when he didn’t have an immediate answer, he went the extra mile to find the right solution. He’s trustworthy and delivers what he promises. We had a wonderful experience!
“The perfect guide for expats”
As an expat, I had no idea how the Dutch process worked, but Robert helped me through every step. All I had to do was sign a few documents for the mortgage — he took care of everything else.
