How to Choose a Mortgage Advisor in the Netherlands

Buying a home is one of the biggest financial decisions you’ll ever make, and it’s especially daunting when navigating a foreign system. In the Netherlands, the mortgage process can feel like a maze: different rules, unfamiliar paperwork, and a whole lot of Dutch.

You want someone who can guide you through it in plain English. Someone who understands your situation as an expat and helps you avoid costly mistakes.

Finding a mortgage advisor isn’t hard. But finding the right one? That takes a bit more thought. In this guide, we’ll walk you through how to choose a mortgage advisor in the Netherlands, step by step.

1. Understand the Different Types of Mortgage Advisors in the Netherlands

Not all mortgage advisors in the Netherlands are created equal. Here are the main types you’ll find in the Dutch market:

Bank Mortgage Advisors

These advisors work for a specific bank, like ING, Rabobank, or ABN AMRO. If you’re already a client, you may be able to get a free consultation.

• Good if: You’ve already decided on a bank and want a simple, straightforward deal.
• Watch out for: Limited options. They can only offer their bank’s products.

Independent Mortgage Advisors

These advisors aren’t tied to any one lender. They compare offers across multiple banks and insurance companies to find you the best deal.

• Good if: You want unbiased advice and more mortgage options.
• Watch out for: Quality can vary, especially when it comes to expat experience.

Expat-Focused Advisors

Companies like Expat Mortgages, Mister Mortgage, and Mortgage Monster specialize in helping internationals. They know the challenges of foreign income, residency, and language barriers.

• Good if: You want peace of mind and tailored advice for your situation.
• Watch out for: Slightly higher fees than general advisors, but often worth it.

2-in-1 Services (Estate Agent + Advisor)

Some real estate agencies bundle mortgage advice with their buying services.

• Good if: You want convenience and a single point of contact.
• Watch out for: Conflicts of interest. The mortgage advice may not be truly independent.

Traditional Dutch Advisors

These long-standing Dutch firms often work mostly with local clients. They may be experts in the local market, but not always in expat needs.

• Good if: You speak some Dutch and have a straightforward case.
• Watch out for: Limited English support and less flexibility for international scenarios.

2. Ask How Many Lenders They Work With

The more lenders an advisor has access to, the better your chances of getting a mortgage that fits your needs. Some advisors compare just a handful of banks. Others can check rates across 20+ institutions.

Ask questions like:

• “How many lenders do you work with?”
• “Are those lenders accessible to expats?”

If they only work with a few banks, you could be missing out on a better rate elsewhere.

3. Check Their Reputation and Reviews

Before choosing an advisor, do a little homework. Look them up on Google, Trustpilot, or expat forums like Reddit and Facebook groups.

What to look for:

• Were clients happy with communication and support?
• Were there any unexpected fees?
• Did the process go smoothly?

If you notice repeated complaints like delays, vague answers, or billing surprises, consider it a red flag.

4. Make Sure They’re Expat-Friendly

Buying a home as an expat comes with extra layers: foreign income, temporary contracts, visa considerations, and sometimes the possibility of moving again in a few years. A good mortgage advisor won’t just understand these. They’ll be experienced in navigating them.

Ask:

• “How many expats have you worked with recently?”
• “Do you have access to expat-friendly mortgage terms?”
• “Will it be a problem if we don’t have permanent residency?”
• “Do you have experience with non-EU passports or international income?”

A confident, knowledgeable answer is a sign you’re in good hands.

5. Ask About Costs — and What’s Included

Mortgage advisors in the Netherlands are paid in different ways. Some earn commission from lenders, some charge a flat fee, and some do both. It’s essential to understand the costs upfront.

Ask:

• “What’s your total fee?”
• “Is the first consultation free?”
• “Does your fee include communication with the notary or real estate agent?”
• “Do you provide post-purchase services in case I need support in the future?”

Some advisors offer follow-up services after the mortgage is signed, such as advice on insurance, tax deductions, or refinancing. Others may disappear once the deal is closed. Ask how accessible they’ll be in the long run.
Paying for expert help is fine, just make sure you know what you’re getting for your money.

6. Weigh Up 2-in-1 Services Carefully

Bundled services, where your estate agent also provides mortgage advice, can save time. But they come with potential downsides. Because the mortgage advisor is tied to the agency, they may be less objective and steer you toward a preferred lender.

Be sure to ask:

• “Is your mortgage advice fully independent?”
• “Can I use your buying service but bring my own mortgage advisor?”

If they seem vague or pushy, it may be best to look elsewhere.

7. Consider Their Communication Style (and Language Skills)

A good advisor should make you feel supported and informed. That means more than just speaking English.

It’s about clarity and responsiveness, too.

Look for someone who:

• Speaks and writes fluent English
• Sends clear timelines and reminders
• Explains things in simple, non-jargon terms
• Responds to your questions without you having to chase them

Good communication is key, especially when you’re juggling contracts, deadlines, and unfamiliar systems.

8. Think About Access: Digital or In-Person?

Everyone works differently. Some buyers want to meet in person. Others prefer remote consultations, especially if they’re still abroad.

Make sure your advisor fits your lifestyle. Ask:

• “Do you offer online appointments?”
• “Can we stay in touch across time zones?”
• “Are documents and updates available digitally?”

Ideally, go for someone who offers both, flexibility counts.

9. Look for AFM Registration

In the Netherlands, mortgage advisors must be registered with the Autoriteit Financiële Markten (AFM) — the Dutch Authority for the Financial Markets. This government body supervises financial service providers to ensure they meet legal standards and put the client’s interest first.

Before choosing an advisor, check whether they’re listed in the official AFM register. This not only confirms they’re qualified, but also gives you peace of mind that you’re dealing with someone accountable and regulated.

10. Don’t Rush, Shop Around

You’re not locked into the first advisor you speak to. In fact, speaking to two or three can give you a better perspective and help you compare communication styles, costs, and options.

Think of it like choosing a tour guide for your Dutch home-buying journey. Pick someone who knows the terrain, speaks your language, and actually wants to help you enjoy the ride.

Final Thoughts

A common mistake many expats make is going with the first English-speaking advisor they find, often based on forums or friends’ recommendations. But that can backfire if the advisor isn’t truly independent or lacks experience with expat cases.

The result? You might miss out on better deals, face delays, or even have your mortgage rejected. A little extra research now can save you a lot of stress later.

Take your time. Ask the awkward questions. And don’t settle for someone who makes you feel rushed or confused. Because at the end of the day, this isn’t just about numbers on a spreadsheet, it’s about finding a place to call home.