Buy To Let Mortgages

If you are an expat considering investing in property in the Netherlands, understanding the Dutch buy-to-let mortgage market is essential. These types of mortgages are specifically designed for individuals who intend to purchase a property for the purpose of renting it out to tenants. We will cover the basics of a buy-to-let mortgage in the Netherlands, including the requirements, process, and potential benefits of investing in rental property in the Netherlands.

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What are buy-to-let mortgages in the Netherlands?

Dutch buy-to-let, or investment, mortgages are specifically designed for individuals who intend to purchase a property with the aim of renting it out to tenants.

In the past, expats faced challenges entering the Dutch buy-to-let market unless they had the financial means to buy a property outright. In addition, expats were only able to eligible for a buy-to-let mortgage after residing in the Netherlands for at least three years. The process of obtaining a buy-to-let mortgage has become more accessible for expats over time, but there are still specific qualifications that must be met.

Buy-to-let mortgages in the Netherlands typically require a larger down payment and involve higher interest rates than traditional residential mortgages. To qualify for a buy-to-let mortgage in the Netherlands, applicants must have a good credit score and a steady income. They may also be required to provide a detailed business plan outlining their rental property investment strategy. Additionally, the property being purchased must be income-generating, meaning it must be rented out to tenants, not kept empty.

Requirements for a buy-to-let mortgage

Expats must meet specific qualifications in order to be eligible for a buy-to-let mortgage in the Netherlands. These include:

· Having lived and worked in the Netherlands for a minimum of three years

· Having a minimum gross annual income of €45,000

· Being an EU national or meeting the residency requirements

· Having a significant amount of personal funds available to cover a portion of the property purchase price, typically around 40-50%

These are general requirements. Banks might have other, specific requirements and criteria for approving a mortgage application.

They may, for example, require that the property is intended for long-term rental only, not for short term or holiday lets. The banks also tend to prefer properties located in major Dutch cities such as Amsterdam, Rotterdam, The Hague, and Utrecht because of the high demand for rental properties. This reduces the likelihood of the property remaining vacant and makes it a more secure investment.


How can we help you?


José de Boer
Financial Advisor


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.

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