“Because buying a new home is exciting enough already, Kanzz ensures that the financial matters are properly arranged for you.”

Mortgages - Kanzz

Well organised

Buying a house is exciting enough already. Kanzz ensures that all financial matters are properly taken care of.

What is really important to you? What is your current situation? And what does the future look like? I will look at your wishes and dreams together with you and we can make well-considered decisions together. There is no reason to choose the highest mortgage or the lowest monthly mortgage payment. Choose a mortgage that matches you and your life.

In addition to your mortgage, other matters are also important: can you continue to afford your monthly mortgage payments in the event of illness or unemployment? And what consequences does your death have for your partner and/or family? Once you know what the impact is, you can decide what risk you want to take.

Sometimes your situation changes or you have other priorities that require adjustments. Renovation, lowering housing costs or making your home more energy-efficient? I will make a (new) plan. After all, your life can change again. And life isn’t all about paying your mortgage. Your home is more than your mortgage.

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Hypotheek - Droomhuis

Sustainable dream home

Are you going to build or renovate your dream home? Go sustainable! A sustainable house is better for the environment. You do not only save energy, but raw materials as well. Respect for people and the environment is paramount. These homes are often also healthier for residents and users.

That’s all well and good, but how are you going to pay for this sustainability? Fortunately, in addition to the necessary subsidy schemes, there is also the option of paying the costs through a mortgage. When you take out your mortgage, you can borrow extra money for energy-saving facilities (EBV). Your mortgage payments will be slightly higher as a result, but your energy bill will be a lot lower. In addition, the value of your home increases because of the adjustments and what is certainly not insignificant: you are helping the environment.

You can borrow a maximum of €9,000 extra for energy-saving measures on top of the maximum mortgage calculated on the basis of your income. To qualify for this, your (joint) gross annual income must be at least €33,000 and the total loan may not be more than 106% of the value of the home.

Do you want to borrow more than €9,000 extra for energy-saving measures? In that case, this is only possible if you still have financing capacity on the basis of the income assessment. The maximum amount of the total mortgage does not change as a result and may not exceed 106% of the value of the home.

The extra loan amount may only be spent on energy-saving measures.

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A mortgage in a few steps


A first acquaintance at no cost. I will answer your most important questions and make a Kanzz calculation so that you are well prepared when looking for a home or making a bid.


Good and personal advice requires a lot of information. I will ask about your wishes and dreams, but also about what risks you do or do not want to take.

Do you need more assistance?

You can also contact me for details of a buying agent or selling agent, valuer, civil-law notary, structural engineer, etc. I will put you on the right track.

Mortgage advice

I prepare personal mortgage advice in which I mainly consider the affordability of your housing costs in various scenarios.

Mortgage offers

If you like the plan and we have made all the choices, I will request the corresponding mortgage offers and we will go through them together.


I will make sure that everything is submitted to the civil-law notary in time so that you can take possession of the key. Please do not hesitate to contact me if you have any questions afterwards.

Mortgages for you

  • Best mortgage

    The best mortgage for an expat or international depends on lifestyle and personal circumstances. With some mortgages you have to start paying off the loan immediately along with the interest, whereas other mortgage types allow you to postpone repayments and only pay the interest instead.
    Since the changes in 2013, the only kinds of mortgages that are eligible for the interest tax deduction (renteaftrek) are annuities and linear mortgage models, whereby the loan is repaid within 30 years via monthly repayments.

    Some of our trusted partners:
    Kanzz banken en maatschappijen

    Getting a mortgage
    If you’re living in the Netherlands for a longer period, buying your own home might make more sense, financially and personally. Mortgages in the Netherlands usually run for a 20-to-30-year term, but it’s also possible to opt for a shorter period. Another thing that’s good to know: the interest you pay on your mortgage is partially tax-deductible.

    • Check Welcome to NL for more information about living in The Netherlands.
    • As an official partner we work closely with Holland Expat Centre South. Check their website for more information about living in the south of The Netherlands called Brabant.

  • Annuities mortgage

    Annuities mortgage (annuïteitenhypotheek)

    In the early years of an annuities mortgage, your monthly payments are largely made up of interest and a small part loan repayment. Over time, as you gradually decrease your debt, the amount of interest you pay also decreases. Towards the end of the mortgage period, the balance reverses meaning you pay lower interest payments and higher loan repayments.

    In the early years of the mortgage period, the annuities mortgage usually has lower monthly payments than a linear mortgage.

  • Linear mortgage

    Linear mortgage (lineaire hypotheek)

    With a linear mortgage you repay a fixed amount every month, plus the interest. Your debt is reduced every month, which also reduces the interest. A linear mortgage is useful when you want to pay off your mortgage as quickly as possible, although initial repayments are relatively high.

  • Interest only mortgage

    Interest-only mortgage (aflossingsvrije hypotheek)

    With an interest-only mortgage you make no repayments on the loan, instead you just pay interest on a monthly basis. Companies only permit this kind of mortgage under certain circumstances, and you will need to repay the capital at a later date from savings or investment accounts.

    Repay the loan
    During the course of the mortgage term, you can switch between saving and investing, taking advantage of low-interest rates and investment opportunities, or seeking less risk in a savings account.

  • Contract & salary

    For expats and internationals, mortgages providers require proof of income via a permanent employment contract and also a statement from your employer (werkgeversverklaring) giving details over your contract and salary.

    If you have a temporary contract, or work for a Dutch university as a PhD student or researcher, then you also need to provide a statement from your employer or institution confirming that your position is on-going or will become permanent.

    Remember that your statement still needs to be approved by your mortgage provider before your financing is guaranteed.

  • Fees and taxes

    This is a quick overview of the taxes, costs and fees involved when buying a house in the Netherlands. Always seek advice regarding your personal situation.

    • Transfer tax (Overdrachtsbelasting): 2% of the purchase price. This is not negotiable.
      People aged 18-35 who are buying their first property in the Netherlands will not have to pay this transfer tax. The costs of this first property may not exceed €400.000 (Per 1-1-2023 €440.000,-).
    • Bank guarantee (Bankgarantie): 10% of the purchase price (by transfer or written bank guarantee). This amout is not negotiable.
    • Transfer contract (Leveringsakte): Around €450-€600.
    • Mortgage contract (Hypotheekakte): About €650 and is tax-deductible.
    • Estate agent fee (Makelaarscourtage): 1-2% (plus BTW) of the purchase price, if you asked the real estate agent to find a house for you.
    • Valuation (Taxatierapport): About €700 and is tax-deductible.
    • Additional costs (Kosten Koper | KK): All the additional costs that the homebuyer has to pay when purchasing a property, such as transfer tax and technical survey costs (around €425).
    • Tax implications:
      – Mortgage interest payments are tax-deductible as long as the property / house is to be used as the main residence for a maximum of 30 years.
      – Tax deductions automatically disappear if you decide to leave the country but continue to own the property. As a non-resident taxpayer, you will not enjoy tax-deductible mortgage interest payments, so make sure the rent you receive covers both costs and interest.
      – Increases in the value of the house are tax-free as long as it is used as the main residence (no capital gains tax).
      – The 30% ruling may raise your chances of getting an appealing mortgage deal.

Do you have a question, or would you like some additional information?