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FVB de Boer Mortgages

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Nederland
The Hague
FVB de Boer Mortgages

FVB de Boer Mortgages offers independent mortgage and insurance advice for expats in the Netherlands. Who are we? We are financial advisors with a passion.

Our passion is to help our (very often international) clients feel at home in the world of Dutch finances. We are highly educated, highly skilled, but foremost we are financial consultants who want to look after our client’s interest.

04/06/2026

Have you noticed recent changes in interest-only mortgage rules in the Netherlands? Several major Dutch banks have now restricted interest-only mortgages to 30% of a property’s value, with some even capping loans at €150,000. While this aligns with European Central Bank guidelines, it could have a significant impact on expats and long-term residents navigating the Dutch housing market.

For many, especially older homeowners looking to downsize, interest-only mortgages offer a practical way to keep monthly costs manageable. Limiting these products may reduce the number of family homes available to new buyers, potentially slowing the market further. If you’re considering your mortgage options or planning your next move, it’s important to understand how these changes might affect you.

👉 Read more about the impact of these new restrictions: https://fvbdeboer.nl/news/interest-only-mortgages-are-not-a-risky-business-limiting-them-is/

22/05/2026

Are you considering how energy efficiency could impact your home purchase or renovation in the Netherlands? For many expats, understanding the benefits of insulation, solar panels or heat pumps can be key to lowering energy costs and increasing comfort in your new home.

Government subsidies such as the ISDE scheme may help you finance energy-saving improvements, and a better energy label could even increase your borrowing capacity or property value. Whether you’re buying or upgrading, it’s worth exploring how sustainable choices fit into your mortgage options.

👉 Read more about energy efficiency and sustainability in Dutch homes:

https://fvbdeboer.nl/expat-guide/energy-efficiency-and-sustainability-in-dutch-homes/

08/05/2026

Have you noticed your Dutch home has increased in value since you bought it? You may have built up home equity that can be used for renovations, investments, or greater financial flexibility. As an expat, accessing this equity is often possible, even when part of your income comes from abroad.

The process does come with specific lender requirements. Banks may ask for a recent property valuation, proof of lawful residence, verified income, and additional documentation for foreign income. With the right advice, you can understand how much equity may be available, which mortgage options fit your situation, and whether a notary visit is required.

👉 Explore your options and learn how to make the most of your property’s value:

https://fvbdeboer.nl/expat-guide/accessing-home-equity-as-an-expat/

23/04/2026

Have you been wondering if refinancing your Dutch mortgage could improve your financial situation as an expat? Changes in interest rates, a more stable income, or the desire for more flexible loan terms can all be valid reasons to consider refinancing. For expats, both internal and external refinancing options are available, each with their own documentation and lender requirements.

Refinancing can offer benefits such as lower monthly payments, a shorter loan term, or access to additional funds for renovations or investments. However, costs like early repayment charges and valuation fees should be carefully weighed against potential savings. If you’re curious about your options, it’s important to seek advice from a specialist who understands expat circumstances.

👉 Read more about refinancing your mortgage as an expat:
https://fvbdeboer.nl/refinance-mortgage-expat/

08/04/2026

Are you wondering whether hiring an estate agent is really necessary when buying a home in the Netherlands? Recent research shows that expats who use estate agents typically pay less over the asking price than Dutch buyers—despite often bidding above the asking price. The survey found expats overbid by an average of 7.6%, compared to 9.3% for native Dutch buyers, largely because expats are more likely to seek professional guidance.

Employing an estate agent may involve an upfront cost, but their expertise in the local market can help you make informed decisions and potentially save money in the long run. If you're planning to stay in the Netherlands for several years and want to put down roots, having an agent by your side can be invaluable, especially if you are still familiarising yourself with the Dutch property process.

👉 Read more about how an estate agent could help you save money:
https://fvbdeboer.nl/news/why-using-an-estate-agent-could-save-you-money/

25/03/2026

Are you facing a big move, job relocation, or life change as an expat in the Netherlands? Significant events like buying a new property, separating from a partner, or returning to your home country can have a major impact on your mortgage and financial situation.

From transferring your mortgage to a new home, to understanding the tax and legal implications of keeping or selling your property, it’s crucial to know your options. Each scenario—whether it’s a temporary stay abroad, switching to a rental property, or navigating a divorce—comes with its own set of financial and legal considerations.

Explore your options with expert guidance tailored to expats. Read more about how to manage your Dutch mortgage through life’s changes and ensure you make informed decisions.

👉 https://fvbdeboer.nl/expat-home-change-nl/

06/03/2026

Thinking about buying your first home in the Netherlands as an expat? Navigating the Dutch property market can seem daunting, especially if you have only recently arrived or do not yet have a local credit history. The good news is that there are plenty of options available, even for those without a permanent contract or long-term employment in the Netherlands.

This article explains the key steps to securing a mortgage as an expat, including what documentation you need and how foreign income is assessed. You will also find tips on eligibility, borrowing capacity, and available schemes for first-time buyers. If you are ready to make a move, expert advice can help you take the right steps with confidence.

👉 Read more about your options as a first-time expat buyer:
https://fvbdeboer.nl/buying-your-first-home-as-an-expat-in-the-netherlands/

18/02/2026

Are you considering moving back to your home country or relocating elsewhere, but still own a property in the Netherlands? As an expat homeowner, it's crucial to understand how your mortgage, tax status and financial obligations may change once you leave.

You typically have three main options: selling your home and repaying the mortgage, renting out your property (with lender approval), or keeping it unoccupied. Each choice comes with its own legal and tax consequences, and your eligibility for mortgage interest deduction will change as soon as your home is no longer your main residence. Advance planning is essential to avoid unexpected costs or complications.

👉 Read more about your options and how to prepare for an international move:

https://fvbdeboer.nl/expat-move-back-mortgage/

20/01/2026

Are you thinking about buying an apartment in the Netherlands? With landlords selling off smaller properties due to stricter rent controls, more apartments are becoming available for sale. This creates new opportunities for expats to step onto the property ladder, especially in major cities like Amsterdam where apartment sales have increased.

However, purchasing a flat here means more than just owning your own space. You’ll also take on shared responsibility for the building through the Vereniging van Eigenaren (VvE), covering maintenance, insurance and long-term repairs. It’s crucial to check the VvE’s financial health, existing maintenance plans, and any building rules before making a decision. Understanding these details can help you avoid unexpected costs and ensure a smooth start in your new home.

👉 Read more about what to look out for when buying an apartment:

https://fvbdeboer.nl/news/buying-an-apartment-in-the-netherlands/

30/12/2025

Are you planning to buy a home in the Netherlands in the coming years? Significant changes are on the way for home buyers in 2026, including new borrowing limits and adjustments to tax breaks that may affect your purchasing power.

From 2026, average borrowing capacity is expected to increase as wages rise, yet the benefits of buying an energy-efficient home will decrease due to changes in solar panel policy. First-time buyers under 35 will see the property transfer tax exemption threshold rise to €550,000, while the national mortgage guarantee will cover homes up to €470,000. With further discussions around mortgage tax relief ongoing, it’s more important than ever to stay informed.

👉 Read more to understand how these changes could impact your plans:
https://fvbdeboer.nl/news/what-changes-for-home-buyers-in-the-netherlands-in-2026/

Adres

Javastraat 3
The Hague
2585AA

Openingstijden

Maandag	09:00 - 18:00
Dinsdag	09:00 - 18:00
Woensdag	09:00 - 18:00
Donderdag	09:00 - 18:00
Vrijdag	09:00 - 18:00

Telefoon

+31705118788

Website

https://fvbdeboer.nl/, https://fvbdeboer.nl/mortgages-services/mortgage-calculator/, https://fvbdeboer.nl/mortgages-serv

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