Buy-To-Let Mortgages in the Netherlands

It used to be difficult to get involved in the buy-to-let market in the Netherlands as an expat, unless you had the money to purchase a property without a mortgage. Also, in the beginning, expats were only eligible for a buy-to-let mortgage after residing in the Netherlands for at least three years. Nowadays it has become easier for expats to obtain a buy-to-let mortgages (or investment mortgage), but there are certain conditions.

Requirements for buy-to-let mortgages in the Netherlands for expats

Dutch banks offer mortgages for expats in the Netherlands, even for those who have not stayed in the Netherlands for that long. The following conditions apply to expats:

  • expats must have spent at least three years living and working in the Netherlands.
  • your minimum gross income should be 45.000 euros per year.
  • EU nationality or residency conditions apply.
  • private money is required at all times. The bank will expect buyers to cover roughly 40/50 percent of the purchase price with their own money.

Banks may also insist that the property is let out on a long-term basis only (no holiday rental or Airbnb), and you are more likely to get a mortgage for a property in one of the large cities in the Netherlands (i.e. Amsterdam, Rotterdam, The Hague and Utrecht) than elsewhere, as banks recognize that demand in these places is higher and the chance of the property being empty is therefore reduced.

Can you use your current mortgage to buy a rental apartment?

Yes, you are able to use your current mortgage to buy a buy-to-let apartment. If you already have a house and mortgage, there are lots of possibilities. Talk about your options with a financial advisor, as you can possibly even get a better return on your investment using your current house and mortgage.

A worthwhile investment?

Buying an apartment or house in the Netherlands for the purposes of letting can often be a good investment as, in addition to rental income, an increase in property value can be expected as well.

However, there are other matters to consider such as tax consequences – a tax levy of 1.2% is due annually on the value of the apartment (minus the mortgage) – and the fact that tenants are not easy to evict in the Netherlands. There are lots of pros and cons to consider before buying an apartment for the sole purpose of renting this out. Talk to a financial adviser about his, for more information.

Ask us your questions

For more information on buy-to-let mortgages, and an analysis of the costs and returns involved, come and talk to us. You can call us on +31 70 5118788 or get in touch by completing the contact form.

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Jose de Boer Fvb de Boer

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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