What home could you actually afford to buy in the Netherlands as an expat?
While buying a house in the Netherlands can be challenging for expats, the Hanno approach makes it much easier.
Fill in your details in our calculator and get your free personalised mortgage report in two minutes, including your maximum borrowing capacity and estimated monthly payment.
Sounds familiar?
I assumed I needed a huge deposit
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I didn't think expats could get a mortgage here.
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The process felt too complicated to even begin.
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Most people who call us have thought at least one of these. Almost all of them are wrong.
Buying a home might be closer than you think.
Thanks to Hanno's structured approach, you have a much better chance of securing your own home. We guide you every step of the way, from determining your budget to signing at the notary. Our dedicated support during the searching and bidding process makes all the difference, especially for expats. The first step toward holding the keys to your new home starts with our calculator.
Who it's for This is for you if...
- ✓On a temporary contract
- ✓Self-employed
- ✓Buying alone
- ✓Earning in a foreign currency
- ✓On a permanent contract
- ✓Buying with a partner
How it works
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Step 1: Use our calculator
The Hanno mortgage calculator takes two minutes, and gives you a real sense of what you could borrow based on your income, the property value, and the energy label.
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Step 2: See your result
You will receive an instant email with your personalised result, so you are more informed as you continue the search for your home.
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Step 3: Free orientation call
A short commitment-free call with Hanno where we look at your full picture and tell you honestly what’s possible.
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Step 4: Your HypotheekBelofte
Once we have assessed your situation, we issue your mortgage promise, backed by a real insurance company. This lets you bid without a financing clause, making your offer far more attractive to sellers.
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Step 5: From bid to keys
Found a home you like? Hanno is there. A question at 9pm? That’s fine too. We handle the full mortgage process across 43+ lenders, and stay with you from your first call to the moment the keys reach your hand.
Find out where you actually stand.
Meet Cees
Cees founded Hanno because he believed mortgage advice could be done differently. More personal. More honest. Less complicated.
Before starting Hanno, he spent years as a management consultant working with banks and financial institutions. He understands the Dutch mortgage market better than most, and he uses that knowledge to help people navigate the journey of buying a home.
"Most of the people who call me think they're not able to buy a house. Almost all of them are wrong. The barriers people think exist - most of them don't."
- Cees, founder of Hanno
Hanno is based in Utrecht. Cees and Bram work together with buyers across the Netherlands: Dutch first-time buyers, expats, people buying alone, and people buying together. Whoever you are, there is someone here who understands your situation.
Cees Vernooij
Founder
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Bram Bolman
Mortgage advisor
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Testimonials What clients say
Buying a home might be closer than you think.
Two minutes in the calculator. A free call with Cees or Bram. And an honest answer about what's possible for you.
FAQ
No. In the Netherlands you can borrow up to 100% of the property value. What you do need savings for is the additional buying costs roughly 2–4% of the purchase price. That's the main thing you need to bring to the table.
Yes. We help international buyers every week. Even if your contract is not yet permanent, there are often options. The best way to find out is to use the calculator.
It depends on how prepared you are. Well-prepared buyers can move much faster than people expect. The process doesn't have to take a year, and we'll tell you honestly what to expect in your specific situation.
A bank can only offer you their own mortgage. We compare 43+ lenders independently and find the one that fits your situation, not the one that fits their targets. We're on your side, not theirs.
No. Most of our work happens online and by phone. You can start right now with the calculator, no appointment needed.