Question 1

How much mortgage can an expat borrow in the Netherlands?

Accepted Answer

Dutch mortgage capacity is based mainly on gross household income, current interest rates and existing debts. Lenders apply income-based financing multiples set each year.

Question 2

Does the 30% ruling affect my mortgage?

Accepted Answer

Some lenders consider the higher net income from the 30% ruling, which can increase your borrowing capacity. Policies vary by lender.

Question 3

How much are buyer's costs (kosten koper) in the Netherlands?

Accepted Answer

Buyer's costs are typically around 4–6% of the property price, covering transfer tax, notary and advisory fees, and are usually paid from your own savings.

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