Lowest interest rates

How clients rate us: out of 10

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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:

€ 1.600,-

When you are and partner are employed

€ 2.000,-

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

€ 2.400,-

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

€ 3.500,-

For very complicated situations

Rens from Hypotheek4Starters made our mortgage process super smooth with a carefully crafted and personalised process. With Hypotheek4Starters we got a lot of insights about how each bank is doing with their interest rates and other conditions. That made us a lot easier to decide the bank that we can go with. Highly recommended!


Rens was quick, supportive and clear. Able to offer many options which resulted into a deal. Highly recommend!


Rens from Hypotheek4Starters made the mortgage process a piece of cake for us. He explained us the whole process clearly and got our mortgage processed in a week.
He was very easy to reach out to, throughout the process he kept us updated and responded quickly to all our queries. We would recommend him.


I worked with Hypotheek4Starters and I was very satisfied with their services. Being an expat it is not easy to go through mortgage applications and select the best option in The Netherlands and H4S helped me a lot.


Why expats choose us? 4 Reasons

Always one dedicated mortgage advisor who guides you to the process

Great knowledge with expats and 30% ruling

Transparent low costs / no surprises

100% independent mortgage advisors

Mortgage process in 4 steps

We work with more than 30 mortgage providers

Call or
WhatsApp us on
06-117 577 26