Mortgage advice from the heart
Personal, independent guidance for your home
Expat friendly mortgage advice
Buying a home in the Netherlands can feel complicated, new rules, endless options and a lot of paperwork. I’ll guide you step by step, making sure everything is easy to understand and fits your situation. No jargon. No sales talk. Just honest, personal advice that helps you make confident choices.
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Buying your (first) home in the Netherlands with confidence
Buying a home in the Netherlands can feel complex, especially as an expat. I provide personal mortgage advice in English and guide you from the first calculation to the final mortgage application.
Instead of going to just one bank, I compare mortgage options from all major Dutch banks and mortgage lenders for you. This means you are not limited to your own bank and can choose from a much wider range of mortgage options.
I’ll explain the differences in clear English and guide you personally through the entire process.
You’ll have one personal point of contact throughout the process. Prefer online?
A digital mortgage consultation is also possible.
Your mortgage in 4 steps
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Step 1
Initial consultation
Free and independent mortgage advice
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Step 2
Mortgage registration
Non-binding interest offer
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Step 3
Final application
Upload documents
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Step 4
Yes! Congratulations!
The mortgage application has been successfully completed
Independent mortgage advice
Through my partnership with Vita Hypotheekadvies, I have access to more than 40 lenders, including major Dutch banks.
That means you’ll receive independent advice focused entirely on your needs, not on one lender’s products.
You’ll always know what you’re signing, why it suits you, and what the next steps are.
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Whether you’re exploring possibilities, buying a home or reviewing your current mortgage
The first meeting is always free and without obligation
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+31 (0)6 57 68 52 63
(MA-ZA)
Feel free to schedule an appointment.
Choose for online or face-2-face mortgage advice.
Based in Warmond, near Leiden, I also work with clients in Oegstgeest, Rijnsburg, Noordwijk, Voorhout, Lisse, Wassenaar and online throughout the World.
Your first meeting is free, always.
Digital consultation is possible
Leonie van Harten
van Limburg stirumstraat 21
2361VM Warmond (Leiden Area)
+31-(0)657685263
L.vanharten@vitahypotheekadvies.nl
Your Questions, Answered
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Yes. Expats can often get a mortgage in the Netherlands, depending on factors such as income, employment contract, residence status and the property you want to buy. I can help you understand your options and compare suitable mortgage lenders.
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Yes. Mortgage consultations can be arranged online, so you do not need to travel. This is especially convenient for expats living in Leiden, The Hague, Amsterdam or elsewhere in the Netherlands.
Personal appointments are also possible.
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In many cases, yes. The possibilities depend on your contract, income history and employer declaration. I assess your situation and check which lenders may accept your employment situation.
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Yes. Having the 30% ruling does not prevent you from getting a mortgage in The Netherlands. Your mortgage is mainly based on your income and employment situation. I can calculate your borrowing capacity and check which Dutch banks and mortgage lenders fit your situation.
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Yes. I provide independent mortgage advice and compare a wide range of mortgage lenders to find a solution that fits your personal situation.
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Yes. In the Netherlands, buyers sometimes make an offer without a financing contingency to make their bid stronger. I can help you do this through a “ Bieden met Zekerheid” certificate as bid insurance.
Before the certificate is issued, your financial situation and mortgage possibilities are carefully assessed. If you meet the conditions, the certificate gives the seller extra assurance that the purchase can be financed.
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Besides the purchase price, you should take additional costs into account, such as the notary, valuation, mortgage advice and possible transfer tax. The exact costs depend on your situation and the property you buy. I’ll give you a clear overview in advance, so you know what budget you need.
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A bank can only offer its own mortgage products. As an independent mortgage advisor, I compare options from all major Dutch banks and mortgage lenders, so you are not limited to just one provider.
I guide you personally from the first calculation to the final mortgage application, explain everything in clear English and help you choose the mortgage that best fits your situation.
Online consultations are also available.