Buy-to-let mortgage in the Netherlands
Buy-to-let mortgage in the Netherlands
Hanno gets you the best fitting investment mortgage for your rental property
Why arrange your buy-to-let mortgage via Hanno?
Thinking about renting out your old house or buying a rental property as an investment? Let Hanno arrange your buy-to-let mortgage in the Netherlands. We offer tailored advice for investment mortgages, fully independent and for a competitive fee.
“Applying for a mortgage for a rental property as an expat turned out easier than expected. Thank you Hanno.”
“Our mortgage advisor Cees did great work on our investment mortgage. He explained everything clearly and the application went smoothly.”
“After buying a new house with my partner, I wanted to keep my old appartement and rent it out to increase my cash flow. Hanno gave me some good advice and arranged my buy-to-let mortgage quickly.”
1. Tailored mortgage advice
Getting a buy-to-let mortgage in the Netherlands doesn't have to be complicated. Our expat mortgage advisors will make you a tailor-made mortgage plan.
2. Fully independent
We work fully independent and compare a lot of lenders who finance rental properties. This way we'll get you the best fitting buy-to-let mortgage.
5 steps to your buy-to-let mortgage
1. Budget: how much can you borrow?
A free appointment gives you instant clarity about your budget.
Call us 030 - 208 2010
2. Bid with our Mortgage Promise
This increases your chances of winning a bidding war.
3. Offer accepted? Your financial plan
First we look at your financial situation, then at your mortgage.
4. Choose your mortgage lender
Based on your mortgage plan we choose the best lender.
5. Mortgage secured, to the notary!
We fix your mortgage from A to Z, you just have to sign the deed.
There are many reasons to purchase a property for rental. Amongst our customers the most common reasons are:
- building up assets for later
- extra income in addition to your pension or salary
- buying a home for a child or parents.
The rules for an investment mortgage are different than the rules for a residential mortgage. Most lenders who offer buy-to-let mortgages, let you finance up to five rental properties.
You also need more savings for a buy-to-let mortgage. You may finance up to 90% of the value of your investment property in a rented state. However, most lenders let you borrow a maximum of 80% of this value. And it's possible to finance 50% of the investment property's value (in a rented state) with an interest only buy-to-let mortgage.
You'll have to pay a higher mortgage interest rate for a buy-to-let mortgage than for a residential mortgage. This is because the mortgage lender is at higher risk by lending you money for a rental property. For instance, if the house is temporarily vacant and you won't receive any rental income. And if you can't pay for the mortgage anymore and the lender has to sell the investment property, the selling price will be lower because of the tenants. To cover these risks, you'll have to pay an interest surcharge of about 1% for a buy-to-let mortgage.
How much you are allowed to borrow for a rental mortgage depends on the rented home value, your income (salary or profits) and the expected rental income. Our mortgage advisors are happy to help you with a tailor-made calculation of your maximum buy-to-let mortgage in The Netherlands and the (expected) return.
Nowadays it's easier to apply for an investment mortgage, because rental properties gained a lot of popularity. Amongst lenders for a buy-to-let mortgage there are well-known banks and a number of real estate parties, among others: ABN AMRO, ING, Lloyds Bank, Rabobank, Woonfonds, Nationale Nederlanden, Handelsbanken, Domivest, Dynamic Credit, Nestr, De Nederlandse, NIBC and RNHB. Our mortgage advisors are happy to find out which lender has the best suiting investment mortgage for your situation. Independent, free and without obligation.