Your Trusted Mortgage Advisor in the Netherlands

Personal advice for all your financial matters in The Netherlands

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How It Works

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Calculate Your Maximum Mortgage

Understanding your budget is the first step toward buying a new home, especially for first homes in Amsterdam, Almere, and across The Netherlands.

Our Dutch mortgage calculator gives you a quick, transparent overview of what you can afford based on your income, property value, and current mortgage interest rates. It’s fast, free, and simple to use.

Trusted by homebuyers across the Netherlands, Vynanzie’s calculator helps you take the first step toward your dream home.

Why Use the Dutch Mortgage Calculator?

Get a realistic idea of your maximum mortgage amount.
Estimate monthly payments at different interest rates.
Compare mortgage options before speaking with a lender.

Calculate Your Maximum Mortgage

Why Vynanzie?

Buying a home in the Netherlands is an exciting new chapter, but understanding the Dutch mortgage (hypotheek) system can feel complex.

At Vynanzie, we make it simple. Based in Almere, we combine local expertise with clear, personal guidance to help you secure the right mortgage for your situation, whether you’re a first-time buyer, an expat settling into Dutch life, or a homeowner planning your next move.

We specialise in expat mortgages, offering straightforward explanations, personal advice, and transparent tools that make every step of your Dutch mortgage journey easy to follow. Together, we make sure you’re ready for it.

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Specialists in Expat Mortgages

Can an Expat Get a Mortgage in the Netherlands?

Yes, and often it’s easier than you think!

If you’re an EU citizen or you hold a valid residence permit, you can apply for a Dutch mortgage under similar conditions as Dutch nationals. Most lenders are familiar with expat situations and offer tailored options for international homebuyers.

Even if you’ve only recently arrived, Vynanzie helps you understand what’s possible. With the right documentation, proof of income, residence, and employment, you can start your application and move one step closer to your dream home in the Netherlands or beyond.

Expert Mortgage Advice, Tailored to You

Every buyer’s story is unique. That’s why our advisors take time to understand your full picture, your income, family situation, and long-term goals.

We’ll walk you through:

How much you can borrow (your maximum mortgage)
What your monthly payments will look like
Which mortgage lenders and types of mortgages best fit your needs
The steps in the process, from start to keys in hand

Our goal is to give you clear, personal advice that helps you make confident financial decisions, not just to buy a home, but to buy it with peace of mind.

Understanding the Dutch Mortgage Process

The Dutch housing market has its own rules, from NHG (National Mortgage Guarantee) eligibility to regional pricing differences between Almere and Amsterdam. With Vynanzie, you’ll always know what comes next.

Step 1 - Preparation

Know your maximum mortgage.

Know your maximum mortgage before you start looking. It helps you focus on homes within your budget and saves time later.

Step 2 - Mortgage Application

Gather Documents

Once you’ve found the right property, we help you gather the necessary documents, proof of income, residence permit, bank statements, and ID. We submit your application to several lenders to find your best offer.

Step 3 - Approval and Valuation

Lender Review

The lender reviews your application and requests a valuation report to confirm the property value matches market standards.

Step 4 - Signing and Notary

Approval

Once approved, a notary finalises the mortgage deed and transfer documents. We guide you through the final costs, like notary fees and transfer tax.

With Vynanzie by your side, every step feels clear, simple, and manageable.

The 30% Ruling and Your Mortgage

If you’re an expat working in the Netherlands, you may qualify for the 30% ruling, a valuable tax benefit that can increase your borrowing power.
This allows eligible employees to receive 30% of their income tax-free, which can improve affordability and boost their mortgage options.
Our advisors explain how the 30% ruling affects your interest rates, tax-deductible benefits, and overall mortgage plan in clear, practical language.

What Does a Mortgage Advisor Do?

A mortgage advisor is more than just a financial expert; they’re your guide throughout the home-buying process.

At Vynanzie, we:

Compare offers from trusted mortgage lenders such as ABN AMRO and independent providers

Explain different types of mortgages in clear, simple terms (fixed, variable, linear, annuity)

Ensure your mortgage offer matches your goals and personal situation

Handle all functions of the process, from document collection to notary coordination

We bridge the gap between international buyers and Dutch banks, translating complex details into clarity.

Mortgage Options for Every Buyer

No two homeowners are the same, and neither are their mortgages.

Fixed or Variable Interest Rates

Prefer predictability? A fixed interest rate keeps your monthly costs stable. Want more flexibility? A variable rate may suit you better.

Linear or Annuity Mortgages

Both are popular with expat clients. A linear mortgage reduces your debt steadily, while an annuity mortgage keeps your payments predictable.

Vynanzie helps you weigh the pros and cons so your Dutch mortgage matches your lifestyle
and your plans for the future.

Self-Employed or Freelancer?

Many expats in the Netherlands are self-employed, and yes, you can qualify for a mortgage too.
Lenders typically look for:

Two to three years of income records

A stable earnings pattern and a Dutch bank account

A valid residence permit or EU citizenship

How Long Do You Need to Live in the Netherlands?

There’s no strict time limit. What matters most is your residence status and stable employment

EU Citizens

EU citizens can usually apply soon after registering and opening a Dutch bank account.

Non-EU Citizens

Non-EU citizens need a valid residence permit and a steady income.

How Much Will You Pay for an Expat Mortgage?

Your total cost depends on several factors: purchase price, interest rate, mortgage type, and notary fees.

Your interest rate will depend on:

Your down payment

The property value

The loan term

Whether you choose a fixed or variable rate

We make sure you understand every cost, from valuation to transfer tax, so there are no surprises.

Compare Mortgage Providers

We work with a wide network of Dutch mortgage lenders, including ABN AMRO, ING, and other reputable regional banks, to find the best mortgage solution for you.

Because we’re independent, our advice is always in your best interest. We compare multiple mortgage offers to ensure you get the most competitive deal available in the Dutch housing market.

Tax-Deductible Interest and Other Advantages

One of the key benefits of homeownership in the Netherlands is tax-deductible mortgage interest.

This means you can often deduct a portion of your interest payments from taxable income, lowering your total housing cost.

We’ll explain exactly how this works in your personal situation, including any benefits from the 30% ruling

Support from Start to Keys in Hand

From your first consultation to the moment you receive your keys, Vynanzie is by your side.

We coordinate every step, connecting with real estate agents, lenders, and notaries, so your mortgage process stays smooth and stress-free.

Buying a home in the Netherlands should be exciting, not confusing. With us, it’s simple, transparent, and personal.

Why Choose Vynanzie?

Local expertise- We know the Dutch housing markets inside and out.

Personal approach - Every buyer’s situation is unique; we tailor our advice to you.

Transparent process - Clear steps, honest timelines, no hidden surprises.

Trusted network - Partnerships with top lenders, notaries, valuators, building inspectors, and estate agents.

Full support - From your first consultation to receiving your keys.

We’re more than a mortgage broker; we’re your Dutch financial partner for every stage of your life in the Netherlands.

Ready To Start Your Journey?

Whether you’re still exploring or ready to buy, Vynanzie helps you take the next step.

Try our calculator or book a free consultation to learn more about Dutch mortgages, right here in Flevoland.

Let’s make your dream home in the Netherlands a reality.

Get expert mortgage advice today →

Do you have any questions about your situation?

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