Frequently Asked Questions
General
There can be a lot of reasons why you would like to buy a house in Holland, below we have listed a few of them:
- Buying a house can be a lot more advantageous than renting
- In the Netherlands you often get financial incentives / tax benefits
- Buying a house can be a very good investment, for quite some time now, owning your own house has proven to be a good investment
- Control over the property (decoration changes, pets, noisy activities etc.)
- You might want to buy the house to let
- Owning a house brings pride of ownership; and offers a sense of stability and security
We are here to help you set financial goals and priorities, and then recommend specific steps to meet them. This means we may give advice on how you should allocate your investments, what kind of insurance you really need and explain how certain moves may affect your taxes or estate.
It’s then up to you to decide if you want to follow that advice. Since we aren’t necessarily a specialist on all aspects we might also recommend others, when you need more specialized help, say, working with a trusts and estates attorney who can help protect assets in a family businesses.
Also buying a house in a foreign country can be quite a challenging process.
De Boer Financial Consultants are financial advisors with a deep understanding of the hurdles that Expats encounter when buying a property in The Netherlands. We are specialized in expat mortgages, insurances & wealth management.
FVB De Boer is a boutique firm, focused on expats, offering independent, unbiased, and expert financial guidance on:
- Mortgages
- Insurances
- Financial planning
- Portfolio reviews
- Wealth management
- Pension
- Trusts
- Estate planning
- Buy to let
FVB De Boer financial advisors have extensive experience, and provide a holistic approach in helping clients reach their financial goals in a way that suits them best.
- We have a deep understanding of the hurdles that Expats encounter
- Over 20 years of experience in working with expats
- We always offer independent advice based upon your own unique circumstances. We have no contractual obligation of any
- kind to advise you to choose the financial products of certain lenders or insurers
- Our extensive personal service is tailored to meet your needs, rather than just being only factual and informative.
Our office is completely independent when giving advice. That is to say, we have no contractual obligation of any kind to advise you to choose the financial products of certain lenders or insurers. Periodically, we make a selection of the financial products that banks and insurance companies provide. When doing this, we do work with a number of preferred providers. But we determine for ourselves who they will be. At your request, we will tell you with which providers we do more or less intensive business.
Mortgages
The time it takes to have a mortgage application approved differs a lot per client and per mortgage provider. Therefor it is hard to say within which time frame the mortgage is arranged, but since we work really quickly it can be as fast as within one week. But typically the complete process of arranging an mortgage should take somewhere between 2-4 weeks.
Activities conducted by FVB De Boer in arranging a suitable mortgage:
- Discuss your (financial) situation and draw up a more detailed overview.
- Analyze your personal financial situation, your knowledge and experience with mortgages, your objectives and willingness to take risks.
- Discuss the existing mortgage structures and explain your maximum mortgage and the monthly mortgage payments involved.
- Assess the affordability of the mortgage payments in the event of occupational disability, unemployment or death.
- Advise on the most suitable mortgage structure, repayment method and how to cover risks. The advisory report includes calculations.
- Discuss and explain the advice given by our office and answer any questions you might have.
- Apply for offers with available banks.
- Verify/compare offers and advise on the best propositions.
- If necessary, arrange to have your house valued.
- Arrange for a bank guarantee to be issued, if applicable.
- Collect and screen the documents required to effect the mortgage.
- If necessary, discuss once more the recommended financial products.
- Maintain contact with the bank(s) in order to reach a final agreement on the intended mortgage.
- Maintain contact with the civil-law notary until date of transfer.
- Check the civil-law notary’s preliminary completion statement and communicate corrections., but in most cases after we have we should be able to secure you mortgage within .
After-sales service
Our after-sales service includes the activities which we are expected to perform by virtue of the Financial Services Act. It basically means that we will inform you about any significant (legislative) changes in your financial products. If additional advice is required, then we will charge you an hourly rate of € 150 (exempt from VAT). This hourly rate will be invoiced if after arranging the mortgage, you need our (extensive) advice on the insurance required in order to hedge any risks you might be facing in case of occupational disability, unemployment or death.
Changes
Any relevant changes in your personal circumstances that would have an impact on your financial situation, we need to be informed about as soon as possible.
We decided not to put a mortgage calculator on our website.
This because of the reason that we have noticed that the exact maximum mortgage amount is often different than calculated with the different mortgage calculators.
Just give us a call and we will make the exact mortgage calculations for you free of charge.
The maximum mortgage depends on numerous things:
- Mortgage rules of the mortgage provider
- How the income is calculated
- If you have the 30% ruling you can often have a higher loan
- If you have complete tax exemption in The Netherlands
So, if you really want to know the maximum mortgage, please feel free to contact our specialized expat mortgage advisors.
We can tell you what all of your possibilities are, and how much the maximum mortgage is.
In order to quickly assess the feasibility of you getting a mortgage and the an indication of the amount you can borrow we would need the following information:
- A recent salary slip (or one each if you are both working)
- Do you have any loans or other financial obligations
- What are your savings and/or other assets
- It will be necessary nowadays to put a modest amount of your own cash into the house/mortgage. What amount would you prefer to put in as down payment?
Which mortgage suits the expat best, depends on his/her lifestyle and personal circumstances.
With some Dutch 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.
In 2013 there were some important changes in the way mortgages are taxed, and therefor nowadays the only types of mortgages that are still eligible for the interest tax deduction (renteaftrek) are the annuities and linear mortgage models, whereby the loan needs to be repaid within 30 years via monthly repayments.
Alternative Dutch mortgage models are mainly variations on annuities and linear mortgages. However, if you take out one of these mortgage forms, you may no longer be entitled to mortgage tax relief.
Types of mortgages:
- Annuities mortgage (annuïteitenhypotheek)
- Linear mortgage (lineaire hypotheek)
An annuity mortgage, also known as a repayment mortgage, is the most common type.
The lender works out the amount you need to repay each month to clear your mortgage by the end of an agreed term. Your monthly repayment is made up of two parts:
An interest payment on the loan (will reduce over time)
A capital repayment (increases over time)
In the early years, most of your repayments will go toward paying off interest on your mortgage. But as your mortgage reduces, the interest part of the repayment goes down. So as time goes on, more of your monthly repayments go toward paying off the capital.
You can usually choose either a variable rate or a fixed rate annuity mortgage or in some cases a mixture of both (known as a split rate).
In the early years of the mortgage period, the annuities mortgage usually has lower monthly payments than a linear mortgage.
Like the annuities mortgage also the linear mortgage repayment is made up of two parts:
An interest payment on the loan (will reduce over time)
A capital repayment (fixed amount per month)
In a Linear Mortgage you start to repay the mortgage loan by a fixed amount every month. On top of this you pay interest, but the interest payments will reduce over time since you are gradually redeeming the mortgage loan. Since the mortgage amount will actually decrease, so will your interest payments. A linear mortgage can be useful for people who wish to repay their mortgage as quickly as possible and who are expecting a reduction in income sometime in the future. However, the monthly mortgage payments are relatively high in the beginning. If you are a tax payer, this is not an ideal mortgage model either, since you will not be taking full advantage of the tax deductibility of mortgage interest.
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.
You can usually choose either a variable rate or a fixed rate annuity mortgage or in some cases a mixture of both (known as a split rate).
There are circumstances whereby the bank will actually allow you to just pay interest and repay the capital from savings or investment accounts. If you take out one such a mortgage, you may no longer be entitled to mortgage tax relief.
A credit mortgage loan is a flexible mortgage. Similar to a normal bank account you can withdraw and deposit money. You pay monthly interest on the amount you borrow, which depends on the value of your house. If you take out one such a mortgage, you may no longer be entitled to mortgage tax relief.
In an Investment account mortgage you invest a certain premium into a stock market account (not an insurance!). This premium can be a lump sum, a monthly or an annual premium. If you take out one such a mortgage, you may no longer be entitled to mortgage tax relief.
This mortgage combines a loan with a life insurance policy. The client pays a monthly or an annual premium, which is often invested in a mutual fund. The premium can include life insurance cover. This policy can be tax-free under certain conditions (rather than being taxed in box III at 1,2%). If you take out one such a mortgage, you may no longer be entitled to mortgage tax relief.
This mortgage type is also linked to a life insurance, but with a guaranteed return. The interest you get on your premium is equal to the interest you pay, hence you are 100% sure that your mortgage will be repaid at the end of the mortgage term. Again this policy can be tax-free. If you take out one such a mortgage, you may no longer be entitled to mortgage tax relief.
This type of mortgage offers a high level of security. With a Bankspaarhypotheek you will save money at a fixed rate. This rate is equal to the mortgage interest rate, and at the end of the term you will be sure that you have saved enough money to repay the mortgage loan. Simultaneously you are optimizing your tax break, since you are keeping the interest payments constant at their original level. It is also possible to invest rather than save in a Bankspaar account, however there is always some risk involved when investing rather than saving in cash. If you take out one such a mortgage, you may no longer be entitled to mortgage tax relief.
A combination of interest-only, savings and investment mortgages. You make interest payments but you have flexibility in how you generate the capital to 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. If you take out one such a mortgage, you may no longer be entitled to mortgage tax relief.
Overall we normally tell people to reserve around 5% of the cost of the house for additional costs when buying a house in The Netherlands. But not everything is mandatory, and most are negotiable, below you will find an overview of possible costs:
-
- Transfer tax (Overdrachtsbelasting) 2% of the purchase price (non-negotiable)
- Transfer contract (De leveringsakte) somewhere between 500-1000 – the price is negotiable with the notary
- Mortgage contract (Hypotheekakte) somewhere between 500-1000 – the price is negotiable (Tax deductible)
- Mortgage arrangement cost (Hypotheekadvies by FVB De Boer ) – (Tax deductible) Give us a call to get your quote
- If you ask a real estate agent to find a house for you, you have an estate agent fee (Makelaarscourtage), varies a lot and therefor negotiable.
- Valuation (Taxatierapport) around 500,- (Tax deductible)
- Technical report (bouwkundigrapport) around 500,- not mandatory
- Additional Costs (Kosten Koper)
- Reimbursing current owner for housing taxes (rioolrecht, OZB, Afvalstoffenheffing) he has paid up front for the whole year (obviously when buying a house in January this would be more than when buying a house in December)
- Interest paid on your mortgage (Tax deductible for maximum 30 years)
- Repayments of the mortgage
- Insurances
- House insurance is mandatory unless arranged by the VVE (Home owners association) – depends on the rebuilding value
- Life insurance if desired but it is not mandatory
- Real estate tax (OZB taxes) – these vary per municipality and depends on WOZ value
- Waste taks (Afvalstoffenheffing) – varies per municipality
- Sewage charges (Rioolheffing) – varies per municipality
- Gas, water, electricity, internet, television usage costs – these obviously vary a lot per household and supplier. https://partnerpete.com/ is a company which specializes in getting expats connected to the best utility providers in The Netherlands
If you own a property in the Netherlands and you use it as your main residence, then you may be able to claim some tax deductions.
These deductions can be claimed in your tax return if you are taxable in The Netherlands.
You can also claim a provisional monthly refund. This has to be done every year again. The costs can be divided in one time only costs and annual costs.
One time only costs which are tax deductible (costs related to the financing/mortgage)
- The mortgage contract (Hypotheekakte)
- Valuation costs (Taxatierapport)
- Mortgage arrangement cost (Hypotheekadvies by FVB De Boer )
- Costs related to the National Mortgage Guarantee (NHG)
- Fine which has to be paid because of early repayment of the old mortgage (when you decide to change mortgage provider)
Annual costs which are tax deductible
- Interest payments on your mortgage (Tax deductible for maximum 30 years)
- So called ‘erfpacht’ payments
Not deductible (costs related to the property itself)
- Transfer tax (Overdrachtsbelasting)
- Transfer contract (De leveringsakte)
- Restate agent fee (Makelaarscourtage) – not mandatory
- Technical report (bouwkundigrapport) – not mandatory
- Additional Costs (Kosten Koper)
- Reimbursing current owner for housing taxes (rioolrecht, OZB, Afvalstoffenheffing)
- Costs of maintenance and renovation
- Repayments of the mortgage
Mortgage conditions are of great importance. Make sure they fit you optimally, now and in the future. Always make sure a professional takes a look at them.
Things you have always have to take into consideration:
- Whether and when it is possible to make extra repayments?
- Are there any fines when doing extra repayments?
- Can you register your mortgage for a higher amount. This in order to make it easier to borrow extra money in the future for future renovations?
- Is it possible to take the mortgage with you when you move to another house?
We call that a ‘moving arrangement’ (verhuisregeling). This can be of great benefit to you in the future. Not every mortgage has a moving arrangement.
NOTE:
Mortgage providers can offer you an advantage, basic or budget mortgage at a lower interest rate. But beware: the stripped-down conditions may cost you money in the future
For most people, a house will very likely be the largest purchase they ever make. Arguably the most important decision you’ll make during the house-hunting process, aside from picking out the house itself, is the type of mortgage you’ll choose,the length of your loan and the lenght of the fixed interest period.
Most expats choose a fixed mortgage rate of 10 years. But the decision should be made on several variables such as; how long do you expect to stay in the Netherlands and, how important is the certainty that you know what you will pay in the future.
- We have a deep understanding of the hurdles that Expats encounter and offer true customization for the client. With us you are not a number.
- We have over 20 years of experience in working with expats, and we know the exact need of expats
- We always offer independent advice based upon your own unique circumstances. We have no contractual obligation of any kind to advise you to choose the financial products of certain lenders or insurers
- Our extensive personal service is tailored to meet your needs, rather than just being only factual and informative.
If you are selling your property, you will generally not have to pay any extra costs.
Your mortgage provider may, however, charge an administrative fee for handling the premature end of your mortgage.
There will also be a notary fee for removing the mortgage from the Land Registry.
Generally speaking, there will be no extra costs for repaying your mortgage in full at the following times:
- At the end of your fixed interest period
- If you have a variable-interest mortgage
- On the death of one of the mortgage holders
- If you switch to a higher interest rate at the same bank
But the exact conditions for repaying your mortgage vary from bank to bank, so be sure to consult a mortgage advisor before deciding how to go about this.
The exact conditions for (extra) repaying your mortgage vary from bank to bank, but typically in The Netherlands you can make an 10% extra repayment on your mortgage of the original mortgage amount. But to be sure always consult a mortgage advisor before deciding how to go about this.
As of 2018 the maximum mortgage may not exceed 100% of the value of the property. You will therefore have to pay the additional costs (approximately around 5%) yourself.
Buying an apartment to lease out can often be a good investment as, in addition to rental income, an increase in property value can be expected as well.
Obviously you can purchase such properties with your own private cash, however taking out a mortgage has also recently become an option.
The bank may set a few more conditions regarding the rental of the apartment. For instance, a long-term occupation needs to be the case – Airbnb or any other short-term rental is not allowed.
The bank will expect buyers to cover roughly 40 per cent of the purchase price with their own cash.
Please contact one of our mortgage advisors in order to hear how we can help you and which other conditions/requirements apply.
The Dutch National Mortgage Guarantee scheme is unique in Europe. It helps you take out a mortgage that is affordable and responsible from the start. And if you do run into problems meeting your payments due to circumstances beyond your control, the National Mortgage Guarantee may provide a safety net for you and your mortgage lender.
Therefor there is less risk for the banks I financing such a mortgage and generally speaking you can get a 0,7% discount on your interest rate.
The National Mortgage Guarantee is referred to in Dutch as ‘NHG’ or ‘Nationale Hypotheek Garantie’.
The maximum value of a property under NHG currently is 247.450 EURO.
Taxes
If you own a property in the Netherlands and you use it as your main residence, then you may be able to claim some tax deductions.
These deductions can be claimed in your tax return if you are taxable in The Netherlands.
You can also claim a provisional monthly refund. This has to be done every year again. The costs can be divided in one time only costs and annual costs.
One time only costs which are tax deductible (costs related to the financing/mortgage)
- The mortgage contract (Hypotheekakte)
- Valuation costs (Taxatierapport)
- Mortgage arrangement cost (Hypotheekadvies by FVB De Boer )
- Costs related to the National Mortgage Guarantee (NHG)
- Fine which has to be paid because of early repayment of the old mortgage (when you decide to change mortgage provider)
Annual costs which are tax deductible
- Interest payments on your mortgage (Tax deductible for maximum 30 years)
- So called ‘erfpacht’ payments
Not deductible (costs related to the property itself)
- Transfer tax (Overdrachtsbelasting)
- Transfer contract (De leveringsakte)
- Restate agent fee (Makelaarscourtage) – not mandatory
- Technical report (bouwkundigrapport) – not mandatory
- Additional Costs (Kosten Koper)
- Reimbursing current owner for housing taxes (rioolrecht, OZB, Afvalstoffenheffing)
- Costs of maintenance and renovation
- Repayments of the mortgage
If you own a property in the Netherlands and you use it as your main residence, then you may be able to claim some tax deductions.
These deductions can be claimed in your tax return if you are taxable in The Netherlands.
You can also claim a provisional monthly refund. This has to be done every year again. The costs can be divided in one time only costs and annual costs.
One time only costs which are tax deductible (costs related to the financing/mortgage)
- The mortgage contract (Hypotheekakte)
- Valuation costs (Taxatierapport)
- Mortgage arrangement cost (Hypotheekadvies by FVB De Boer )
- Costs related to the National Mortgage Guarantee (NHG)
- Fine which has to be paid because of early repayment of the old mortgage (when you decide to change mortgage provider)
Annual costs which are tax deductible
- Interest payments on your mortgage (Tax deductible for maximum 30 years)
- So called ‘erfpacht’ payments
Not deductible (costs related to the property itself)
- Transfer tax (Overdrachtsbelasting)
- Transfer contract (De leveringsakte)
- Restate agent fee (Makelaarscourtage) – not mandatory
- Technical report (bouwkundigrapport) – not mandatory
- Additional Costs (Kosten Koper)
- Reimbursing current owner for housing taxes (rioolrecht, OZB, Afvalstoffenheffing)
- Costs of maintenance and renovation
- Repayments of the mortgage
No this is not possible.
The 30 percent ruling is a Dutch tax exemption for employees who were hired abroad to work in the Netherlands. If a number of conditions are met, the employer is allowed to pay you 30 percent of your salary as a tax-free allowance. The tax-free allowance is considered a compensation for the expenses that the employee has by working outside his or her home country.
To be eligible for the 30 percent ruling the following conditions have to be met:
- the employee works for an employer that is registered with the Dutch tax office and pays payroll tax;
- employer and employee have to agree in writing that the 30 percent ruling is applicable;
- the employee has to be transferred from abroad or has to be recruited abroad;
- the employee did not reside within 150km from the Dutch border for the last 18 out of 24 months at the time of hiring;
- the employee’s salary is at least EUR 37,000 per annum.
- The employee needs to have expertise that is scarcely available in the Netherlands.
Less strict rules apply for PhD and Master’s graduates younger than 30 years:
- the minimum salary requirement is EUR 28,125 taxable.
- if the PhD was completed in the Netherlands, the requirement of ‘being recruited from abroad’ does not have to be met if the candidate is hired within a year of completing his or her studies.
There is no minimum required salary for scientific researchers who are employed by a university or a research institution that is subsidized by the government. Medical specialists in training also have no minimum required salary.
The maximum duration of the 30 percent tax ruling is eight years. Any period spent in the Netherlands over the last 25 years will count towards your duration of claiming the 30 percent ruling.
There are other benefits to the Netherlands’ 30 percent ruling.
- Under the 30 percent ruling you can opt for ‘partial non-residency status’. Even while residing in the Netherlands, you will be considered to be a non-resident tax payer in Box 2 and Box 3 upon choosing the partial non-resident status, although for Box 1 income you will still be considered a resident tax payer.
- If you have a foreign driving licence, in most cases you have to redo your test in order to obtain a Dutch licence. However, if you benefit from the 30 percent ruling, it is possible to exchange your foreign driving licence for a Dutch licence without retaking the test. This also applies to all family members registered at the same address as the holder of the 30 percent ruling.
Want to know more about the 30% ruling, ask one of our financial advisors.
You can apply for tax refunds in the annual income tax return or by filing a request for a provisional refund. You could also contact on of our advisor for a quote on assisting you with your tax rebates.
In general an individual will not have to pay tax on capital gains. So if the main residence is sold the profit is not taxable. This is different if the transaction exceeds normal asset management. In that case the capital gain is treated as income from other activities or even business income.
Insurances
It is compulsory in case you will have an NHG mortgage which is a mortgage with National Mortgage Guarantee. In most other cases it is not. That does not mean it is not advisable though. It will be included in our advice based on your personal situation.
A life insurance is a straightforward product. It covers a certain amount within a certain period of time and will pay out if the insured person deceases within this period of coverage. It can cover 2 lives or just one, all depending on the situation. It can be pledged to a mortgage if so required or desired.
It is calculated based on height of coverage, age, health and there is also a difference in premium between smokers and non-smokers (smokers will get a higher premium).
No, life insurances are not tax deductible.
It is a so called third person insurance. It insures you for damage you might cause on other people or other people’s property.
In The Netherlands the basic health insurance is indeed mandatory. Any additions to the basic health coverage is not mandatory.
Wealth/Investment Management
We offer investment management services for each type client.
Wealth management is a high-level professional service that combines financial and investment advice, accounting and tax services, retirement planning and legal or estate planning.
Wealth management is more than just investment advice, as it can encompass all parts of a person’s financial life. The idea is that rather than trying to integrate pieces of advice and various products from a series of professionals, clients benefit from a holistic approach in which a single manager coordinates all the services needed to manage their money and plan for their own or their family’s current and future needs.
As FVB De Boer we offer independent advice and extensive personal service in order to help you achieve your financial goals, now and in the future, via tailored solutions.
Studies show that a financial plan can benefit people at all income levels and all ages – but not a lot of people know this. In fact, financial plans are already recommended for people in their 20s. If you look at people who are financially successful, most of them have been making very smart financial decisions all their life. Wealth building takes years and years, but it is never too late to begin. So start with an independent financial advisor who can help you determine what to do.
Gives us a call in order to see what we can do for you.
It all starts with a cup of coffee and a introductory meeting. Here we will assess your individual financial goals and attitude to risk. This includes information on how much you want to invest, how much return you want, when you will need to access your money, and how much you are willing to risk losing.
We continuously monitor potential investments. Investment products can range from cash deposits to government bonds, and from savings accounts to managed portfolio solutions. We calculate the investment risks and returns of each, so we can advise you on all the options.
Together we create a personal investment strategy. This is important at the start of your investment journey, but will need to be checked regularly. As your work, family or other circumstance change, your portfolio may need to be adapted to provide you with the best results.
Do you want to know more about our solutions and how we can help you? Feel free to contact us, the coffee is on us.
Our office is completely independent when giving advice. That is to say, we have no contractual obligation of any kind to advise you to choose the financial products of certain providers. Periodically, we make a selection of the financial products that banks and investment companies provide. When doing this, we do work with a number
of preferred providers. But we determine for ourselves who they will be. At your request, we will tell you with which providers we do more or less intensive business.
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Please remember that the value of investments, and any income received from them can fall as well as rise, is not guaranteed and you may not get back the amount you invested. This could also happen as a result of changes in currency exchange rates, particularly where overseas securities are held or where investments are converted from one currency to another. We always recommend that any Investments held should be viewed as a medium to long-term investment, at least five years.
Commercial Real Estate
Buying an apartment to lease out can often be a good investment as, in addition to rental income, an increase in property value can be expected as well.
Obviously you can purchase such properties with your own private cash, however taking out a mortgage has also recently become an option.
The bank may set a few more conditions regarding the rental of the apartment. For instance, a long-term occupation needs to be the case – Airbnb or any other short-term rental is not allowed.
The bank will expect buyers to cover roughly 40 per cent of the purchase price with their own cash.
Please contact one of our mortgage advisors in order to hear how we can help you and which other conditions/requirements apply.
FAQ Topics
Your Questions
Give us the call and let our team help you plan
the next financial step in your life
Our various services for expats
FVB de Boer is a leading international broker of expatriate financial services, products, and financial advice. Our financial advisors help expats in the Netherlands and abroad with expat mortgages, pensions, managing of investments, regular savings, taxes, insurances, and much more. Within this website, we provide expats with information on the areas we cover and the specialist nature of what we do.
Mortgage Advisors
At FVB de Boer, we have established good working relationships with a number of Dutch banks to help you realize your dream property.
Home Insurance
FVB de Boer helps you to secure your property with building and fire insurance or home contents insurance for the short or long term.
Buy-To-Let Mortgages
Buying an apartment or home to rent out can be a good investment. FVB de Boer can arrange mortgages for expats to buy property.
Investment Management
Managing your investments as an expat is a top priority at FVB de Boer. We pride ourselves on being safe, knowledgeable and flexible.