Hi, I'm Jozef. I sort out Dutch mortgages for people who didn't grow up here.
I've spent the last eight years walking expats through the Dutch housing system. Before that, I was an underwriter at a Dutch bank. I know both sides of the desk.
Why I do this work.
I bought my first home in Amsterdam in 2017. The mortgage was straightforward — I'm Dutch, I read the offer in my own language, and the bank treated me like a known quantity.
The next year I helped my partner, who's American, buy her first place. The same process suddenly involved seven phone calls in Dutch she couldn't follow, two rejections from lenders who didn't understand her contract, and a notary appointment where nobody bothered to translate.
That gap is the gap I now close, full-time, for other people.
“Mortgages aren't complicated because the maths is hard. They're complicated because the maths is in another language.”
I work with first-time buyers, ZZP'ers, refinancers, non-EU permit-holders, and the occasional brave soul moving from Amsterdam back to the countryside. Most of my clients find me through word of mouth — Dutch internations groups, expat slack channels, and the same friend-of-a-friend chain that brought you here.
Boring details that matter.
Anyone advising on Dutch mortgages must hold Wft (financial supervision act) qualifications and be listed on the AFM register. Verify mine anytime.
Four principles.
These are the rules I apply to every file. I'd rather lose a client than break one.
Plain English, always
If a Dutch term is in the room, I translate it. If it's in your contract, I translate it twice — once before you sign, once at the notary.
Show the working
Every recommendation comes with a written breakdown of which lenders I considered and why I didn't pick the others. No black boxes.
One fee, no commission
I get paid the same regardless of which lender we choose. Clean alignment is the foundation of independent advice.
Slow when it matters
I'd rather take an extra week to understand your situation than push you toward a faster yes from the wrong lender.