Increasingly, highly educated migrants are considering buying a home after initially renting for a relatively short period. The main reasons are the low interest rates, good financing options, and high rental prices in the private sector. Monthly mortgage payments are often lower than rental costs.

In addition, the Netherlands is unique in allowing a mortgage to be taken out for up to 100% of the value of the property. There is also an additional benefit: mortgage interest deduction. In the Netherlands, the amount of mortgage interest paid can be deducted from taxes. This means you pay taxes on a lower income, making owning a home more attractive and affordable.

If expats and highly skilled migrants want to buy a home, it is possible to obtain financing through a mortgage, subject to certain conditions. There are multiple mortgage lenders that provide mortgages to both expats with a European nationality and knowledge migrants coming from outside the EU. The conditions for obtaining financing depend on several factors, such as:

  • Type of residence permit
  • Duration of stay in the Netherlands
  • Income
  • Amount of equity input
  • Future expectations

The income requirements are the same as for Dutch nationals: having a permanent contract or a statement of intent for a permanent contract.

Finally, highly educated talents are not afraid that their home will be unsellable once they leave the Netherlands. They have experienced the tight housing market when finding a rental or a purchased property. This market situation is unlikely to change significantly in the short term, so the purchased home will still sell well. This is also because the Netherlands is still popular among (new) expats and highly skilled migrants.

It is advisable to seek advice from a mortgage advisor or financial advisor beforehand. They can assess the situation and the possibilities for taking out a mortgage. Feel free to contact us if you want to qualify for buying a home: or 0031 6 823 80 801.