Expat mortgage: Benefit from a free mortgage consultation

Hypotheek4Starters unburdens and provides personal advice

Unburdening
As an expat, you have a lot to deal with. Think of applying for a BSN number and health insurance, arranging a general practitioner and school for the kids, registration in the basic registration of persons, housing and much more. You can apply for a mortgage when you have a BSN number and when your probationary period is over. We are happy to unburden you when financing a home. You have one dedicated mortgage advisor who sets everything in motion for you. The advisor make sure that the process runs smoothly form start to finish. For a fixed low price we request the mortgage offer for you, provide advice when someone pass away, loses his job or is incapacity for work. We also arrange the associated insurances and check the notary when you will get your keys of your house. If you need other services such as a notary, tax advisor, insurance advisor, valuation report or a purchase broker? No problem, we have a wide proffesional network that you can use. We make sure that they will call you, you do not have to go after it yourself. Would you rather rent first? Then you can also contact us. We are in contact with a rental agent who can help you further.

Personal advice
A mortgage is never the same, because everyone is different. We look at your wishes and needs and ensure that your mortgage is the best fit. As an expat, you will not have the choice of all mortgage lenders. We have experience with expats ans know exactly what is and is not allowed. You always have one dedicated mortgage advisor. Our advisor advises you from start to finish. You get his mobile phone number, so you can always quickly connect with the advisor himself. This ensures that Hypotheek4Starters gives the ultimate personal advice that you deserve.

Advice how and when you want it
Our office hours are from 9:00 AM to 5:30 PM. You can always contact us during these hours. Would you like to meet us outside office hours? No problem we adapt to your wishes. That also applies to how you want advice. Would you like advice by phone, online or face to face? That is all possible with us.

Hypotheek4Starters grows with you
Hypotheek4Starters can help you when you buy your first house. But we can also be of service to you when buying your next house, second house or a buy to let house. Hypotheek4Starters grows with you. Please note that the rates will be different when you buy a next house, second home or a buy to let house. Check all rates in the prices list.

LETS GET STARTED

30% Ruling for expats

If you come to work in the Netherlands as an expat, you may have additional costs. That is because, for example, living costs in the Netherlands are more expensive than in your own country. You can receive a tax-free allowance from your employer for these costs. But instead, your employer may also choose to pay out 30% of your wages, including compensation, tax-free. This is the 30% ruling.

You can make use of the 30% ruling if you meet all the conditions. The conditions are:

You are employed by your employer
You have a specific expertise that is hard to find on Dutch labor market
You were recruited outside the Netherlands
You have a valid decision

A decision issued from 1st of January 2019 has a maximum term of 5 years.

Mortgage and 30% ruling:
When you have a 30% ruling, this can ensure that you can barrow just a little more during the period that your 30% ruling is valid. This is therefore a temporary increase in your loancapacity until the 30% ruling is ending. We can calculate this for you.

Expat mortgage in 4 steps!

Lets meet

Lets meet and get to know each other

View possibilities

Sharing documents and discuss your options

Consultancy

Mortgage advise and advisory report

Aftercare

To the notary office

1. Lets meet and get to know each other

The first step is to good advice is to get acquainted. Getting acquainted will take about 20 minutes of your time. We explain our services and would like to know who you are, what you do and what your financial situation is.

2. Sharing documents and discuss your options

After we become acquainted we request documents that are necessary to start a mortgage application. We do this to be able to tell you with certainty what your options are, but also to be able to apply more quickly if you have bought a house. This way you are stronger in the negotiations and we can apply for the mortgage faster. After receiving the documents, we will make an appointment to discuss your options. After this conversation you know exactly how much you can borrow, what you can offer, how you can make a good offer and what the approximate monthly costs will be.

3. Mortgage advise and advisory report

If you have a verbal agreement with the sellers, it is wise to contact us for a consultation. We will then schedule an appointment to give you the best advice. We then look at various mortgage providers, interest rates and conditions. After the conversation you decide whether you want to continue with us or not. So far it is still for free. If we may request the offer and compile the advisory report for you, you sign the service agreement. This shows the costs that we charge (see pricing). We will also arrange a possible valuation, technical inspection or a bankguarantee for you.

The advisory report will contain advice on when someone pass away, become unemployment or will be disabbled for work. We will discuss this together, so that you are well aware of the risks. It is up to you whether you also want to cover these risks. If you wish, we can arrange these insurances for you. You do not have to pay extra for that. This is included in the total price.

4. To the notary office

If the mortgage lender accepts your request for a mortgage, you will recieve an offer. When you receive an offer, you can buy the house. Then it is only a matter of waiting for the date of transfer. You agree the date with the sellers in advance. The date would be in the purchase agreement. The transfer will be at the notary office. As an expat you have to take extra costs into account. The notary obliges you to engage a translator. The translator is arranged by the notary office, but you will pay the costs. A week before passing, we will be in contact with the notary office. We will then check for you whether the invoice had been drawn up correctly.

Of course you can always contact us after you have visited the notary if you have any questions about your mortgage.

LETS GET STARTED

What are the fees?

As an expat, you are often looking for your first house in the Netherlands. We are happy to help you with our fixed low first time buyers rates and our knowledge with expats. Come and calculate your options for free. If you proceed with us, and ask us to arrange the mortgage, the fees are:

€ 2.000,-

When you are and partner are employed

€ 2.300,-

When you are self-employed/ entrepreneur and your partner is not

€ 2.600,-

When you and your partner are self-employed/ entrepreneurs of when you or your partner have multiple companies

€ 3.500,-

For very complicated situations

I can imagine you will have questions.

Here are a few questions we hear regularly:

Title Niet Bewerken & Altijd laten staan

Can I buy a house when I just start to work at my company?

Yes that is possible. If you will have a temporary contract, but with an intention to extend it with a permenant contract it is possible. Also your noviciate (probation time) must be over. Mostly it is one month.

Can I have more mortgage with a 30% rulling?

Yes that is possible, but only for the time you will receive the 30% rulling. We can make an calculation for you to show you the possibilities.

What types of mortgages are common?

You will have two types of mortgages. A lineair mortgage and a annuity mortgage. We discuss these types of mortgages in our fist meeting. The best mortgage do not exist, it is more which mortgage suits you best.

What is ''erfpacht'' and how does it work?

Erfpacht is ground lease. So you own the property but not the ground. Sometimes you will have to pay an amount for the ground lease. It is called ” canon”. If you will have to pay a canon, it will effect you max loancapacity. It is always wise to concult a mortgage advisor before you will bid on a house that has ground lease.