Independent, English-speaking mortgage advice for expats, foreign residents and entrepreneurs.
The independent mortgage advisers at Vixx are there to help you organise your mortgage. By comparing more than 35 lenders, we choose the best deal for you and with you.
Whether you are new to the Netherlands as an expat or have moved to the Netherlands and want to buy a house, Vixx takes care of it. Our mortgage advisers have extensive experience in arranging mortgages for expats, foreign residents and entrepreneurs.
Your initial appointment is always free of costs. After that point, our advisers will communicate the further steps with you if you would like to proceed with your mortgage application.
Call us · Email us · or scroll to the bottom of the page and submit the form to let us call you back.
Would you like to buy a house in the Netherlands but don’t know where to start?
Our advisers have years of experience in arranging mortgages for expats. We know exactly what steps to take to help you obtain the mortgage you need for your home in the Netherlands.
Buying a house in the Netherlands as an expat involves a lot of rules that you have to comply with. We do not shy away from any of these, because our team of mortgage advisers knows exactly what steps to take to help you, as an expat, own your property in the Netherlands.
Do you want to know how Vixx takes care of your mortgage with our independent advice? Fill in the form at the bottom of this page and we will contact you to plan a free initial consultation.
At Vixx, we have English-speaking advisors who know exactly how expat and foreign citizens’ mortgages work and how to make them work for you.
We make the process simple, clear and fast. No confusing paperwork, no surprises. Just smart, personal advice that fits your life and goals.
Do you want to know what’s possible for you? Let’s talk!
If you’re an entrepreneur living in the Netherlands, there’s often more possible than you think. Whether you’ve brought your business from abroad or you’re already living here as a foreign national, you might be eligible for a mortgage.
As long as you’ve been self-employed for at least two years, we’ll help you explore your options and will advise you towards the best independent deal for your mortgage.
Yes. If you have EU/EEA nationality and a permanent employment contract in the Netherlands, you can use your full income when applying for a mortgage.
Yes. If you are a director and major shareholder of a Dutch private limited company with at least 3 years of stable annual figures (or 2 with a history of salaried employment), you can have your income assessed with an income statement. Please note: customization is always possible if you have less than 3 years of financial statements and/or have a foreign entity in combination with a Dutch entity. This must be assessed on a case-by-case basis, so it is not a definitive no if you do not meet the standard conditions.
In the Netherlands, it is perfectly common to request a letter of intent from HR. They will provide you with this, and we will use it for the mortgage application.
Yes, provided that certain conditions are met. If you are a highly skilled migrant with a temporary residence permit (type I), and when:
Then your income may be grossed up by a factor of 100/70 for the assessment.
Yes. Both incomes may be included, provided that:
Again, the same applies: first convert to euros and then deduct 10%.
In the Netherlands, you do not need a credit score, as is the case in the United States, for example. In fact, the less debt you have, the easier it is to arrange your mortgage.
Yes. Swiss nationality is treated as equivalent to EU nationality. With a temporary 12-month contract and a letter of intent from your employer, you can have your full income taken into account.
Yes, provided it is stable. Income in foreign currency is accepted if:
Yes, under certain conditions. If your partner has a permanent residence permit and your income is not needed for the mortgage, you may participate as a co-applicant with only a temporary residence permit.
Then you can only use the 30% ruling if your employment contract shows that you will retain the same gross salary after it expires. If your income will be lower, this must be taken into account in the application.
Yes. As long as your partner has EU nationality and provides the assessment income, you can participate in the mortgage application. You will then only need a valid residence permit.
Leave your details and one of our English-speaking advisers will call you back.
