What we do for you
As an independent mortgage adviser, we are not tied to a single lender. That means we can compare offers from more than 25 banks and providers to find the best combination of rate, terms, and flexibility for your situation as an expat.
We are happy to take all your worries off your hands. This means we can assist you in preparing your offer and the accompanying conditions, so you can place a well-informed and confident bid. This is especially useful if you are buying a property without a buying agent.
In addition, if you wish, we can also arrange the following essential matters for you during the purchase of your home:
Property valuation – In some cases, a physical valuation is required, while in others a desktop valuation will suffice. We assess what is needed in your situation and arrange everything from start to finish, ensuring you meet the lender’s requirements.
Notary appointment – We work with trusted and reliable notaries and will schedule the appointment for you. We also ensure that all documents are submitted correctly and on time.
Bank guarantee – If required, we can arrange the bank guarantee for you. You typically need to provide a 10% deposit of the purchase price or a bank guarantee, and we make sure this process runs smoothly.
Structural inspection – It is wise to have the structural condition of the property checked by an expert. We can connect you with experienced specialists, so you know exactly what to expect.
How our service works
1. Free first consultation
We start with a free, no-obligation conversation. We discuss your financial situation, your residency status, your income (employment, 30% ruling, self-employment), and your house-buying goals. You leave with a clear picture of what you can borrow and what your monthly costs will be.
2. Pre-approval calculation
Once you start house-hunting, we provide an accurate calculation tailored to your situation. This gives you confidence when making an offer.
3. Mortgage application
When your offer is accepted, we prepare and submit the full application with the best-matching lender. We collect all required documents — employment contract, payslips, BSN, ID, residence permit, 30% ruling decision if applicable — and handle communication with the lender.
4. Mortgage offer review
You receive the binding mortgage offer. We review it with you in detail so you understand every clause before signing.
5. Notary & keys
We coordinate with the notary so the closing runs smoothly. Then you receive the keys to your new home.
Why expats choose us
English-speaking advisers — full advisory process in English
25+ lenders compared — including those who specialize in expat profiles
30% ruling expertise — we know how to optimise your borrowing capacity
No cure, no pay — fees only when your mortgage is approved
Clear, honest advice — no hidden costs, no fine print
Fees
Our fees for mortgage advice and brokerage are transparent and discussed upfront. The fee is tax-deductible. In a personal conversation we discuss the exact cost based on your situation.