Looking for an expat mortgage in the Netherlands? At CAN Advies, we provide specialised mortgage advice and intermediation for expats who live and work in the Netherlands and want to buy a home.

Expats often face different rules when applying for a Dutch mortgage. Income from abroad, international employment contracts and tax benefits such as the 30% ruling can significantly impact how your borrowing capacity is calculated. We are here to guide you step by step through the entire process, from understanding your borrowing capacity to securing the best financing solution for your situation.

Whether you are relocating for work, starting your life in the Netherlands, or investing in Dutch real estate, your unique financial and employment circumstances matter. As you may know, calculating income for mortgage qualification can differ significantly for expats compared to non-expats. For example:

• You may qualify under the 30% tax ruling, which can positively impact your borrowing capacity
• We apply a brutering factor to net income (1.6 for net incomes under €70,000; 1.7 for net incomes of €70,000 or more), where applicable
• We can also assist with cases involving foreign employment income, temporary contracts, or other international income structures

Whether you are relocating to the Netherlands, already working here, or planning a long-term stay, CAN Advies helps you secure the right mortgage with confidence.

• Independent expat mortgage advice in English and in Turkish (Turkce).
• Mortgage intermediation with Dutch lenders
• Assessment of foreign and expat income
• Guidance on tax rules and lender requirements
• Full support from orientation to completion

We provide transparent, expert advice in English, helping you make confident steps toward home ownership in the Netherlands.