Banks may lend you a sum of money the equivalent of up to five times your annual salary if you meet the following conditions:

  • You have a valid residence permit.
  • You have lived in the Netherlands for at least five years.
  • If self-employed, you are able to produce your company's financial records of the last three years and you are able to prove future potential earnings.

You will find a wide variety of mortgages (hypotheken) on offer, however, for an expat it is advisable to do your homework and consult with friends, family or an advisor for recommendations in order to choose the ideal product.