Your key to the Netherlands starts here.
Specialist mortgage advice for expats — in English, every step of the way. From your first viewing to the keys in your hand.
Three reasons people stay.
I'm one person — not a call centre, not a chatbot, not a junior assigned to you. The relationship is the product.
English-speaking, top to tail
Every call, email, and document — translated and explained. The notary is the only Dutch part, and I'm there too.
Expat expertise as the default
30% ruling, residence permits, foreign income, BKR — the things that confuse most advisers are the things I do every week.
Independent, not commission-led
I compare offers from 14 Dutch lenders. You pay one fee, transparently, regardless of which bank we choose.
Three steps. No mystery.
Most clients are at the keys within ten weeks of our first call. The bottleneck is usually the housing market, not the paperwork.
Real expats. Real homes.
142 reviews on Google, all five stars. Here are a few I'm especially proud of.
“Jozef made our 30% ruling and Indian income work together — three other advisers had told us no. We got the keys six weeks after our first call.”
“I'm a ZZP'er with one year of figures. Jozef found the one lender who'd look at me on those terms. Boring, calm, completely on top of it.”
“Brexit made our paperwork ten times worse than it needed to be. Jozef translated every form and called the bank when they got slow.”
“I genuinely didn't think I'd be able to buy here on a non-EU permit. Two months later I'm in my own flat in Oost.”