Free orientation consult
Discuss your mortgage options
- Find out how the Dutch housing market works
- Get a detailed personal mortgage calculation
- Receive a personal orientation report
Arrange a free orientation meeting with an English-speaking mortgage adviser to learn more about the Dutch housing market and buying a home, and to work out your maximum mortgage.
Taking out a mortgage with the help of an adviser
1. Free orientation consult
You and your mortgage adviser discuss your options during a free orientation consult.
2. Find a home
Your mortgage adviser can explain exactly how the process of buying a home works. You can also take a look at our step-by-step guide to buying a home.
3. Arrange a mortgage
Your mortgage adviser will advise you about which mortgage is best for your situation at an advice meeting.
Differences between an orientation and an advice meeting
Free orientation meeting
By video call
- Information about the Dutch housing market
- Information about bidding, negotiating and resolutive conditions (cancellation clause)
- Explanation of the process of applying for a mortgage
- A detailed mortgage calculation based on your situation
- A calculation of the corresponding monthly payments
- Information about transfer tax, different types of mortgages and Dutch National Mortgage Guarantee (NHG)
- You receive an orientation report
Advice meeting
By video call
- Advice on mortgage types, interest rates and term
- Information about the risks in the event of your death, occupational disability or unemployment
- Information about the importance of life insurance and occupational disability insurance
- Explanation of the difference between an annuity and a linear mortgage
- Information about compulsory home insurance policies
- You receive a financial overview covering both your current and future situation
- You receive a detailed advisory report with various calculations
Frequently asked questions about the orientation meeting
How long does an orientation meeting take?
An orientation meeting with a mortgage adviser usually lasts around an hour, but may take longer. The mortgage adviser takes the time to answer all your questions about buying a home and taking out a mortgage.
Can I do my own mortgage calculation?
Yes, you can. You can calculate your maximum mortgage via the website. However, the calculation made by the mortgage adviser during the orientation meeting will be more accurate given that this will take account of aspects like your income, including any bonuses or overtime, for example. You will be sent a copy of this detailed calculation afterwards, as part of the orientation report.
What is the difference between an orientation meeting and an advice meeting?
During an orientation meeting, a mortgage adviser talks to you about buying a home in the Netherlands and what’s involved in arranging a mortgage. You will also be given a detailed mortgage calculation based on the documents you supply.
During an advice meeting, a mortgage adviser advises you about which mortgage is best for your situation, and about the risks in the event of your death, occupational disability or unemployment. You will be given an advisory report with various calculations and a financial overview covering both your current and future situation.
What does mortgage advice cost?
The advice fee you pay covers personal advice from an adviser, and an advisory report. You will also be charged a handling fee for the mortgage application.
This is a fixed fee that does not depend on the amount of your mortgage. You will not be given advice at the initial orientation meeting, so you will not be charged an advice fee for this meeting.
How do mortgages work in the Netherlands?
A mortgage is a loan, most commonly used to buy a home. In the Netherlands, you can borrow up to 100% of the value of the property. If you are looking to buy a home and want to take out a mortgage, you should first calculate the maximum amount you can borrow. As soon as you have done that, you can make an appointment for a free orientation meeting with our specialist mortgage adviser to go over your options.
If you have already put in an offer on a home and this has been accepted, we will set up a second meeting with a mortgage adviser: the mortgage advice meeting. This is when you choose:
- a Budget Mortgage (Budget Hypotheek) or a Home Mortgage (Woning Hypotheek)
- the mortgage type
- either with a fixed or a variable interest rate (this determines your repayments)
One of our mortgage advisers will help you make these choices. Make an appointment and you can come in for a meeting within 24 hours.
Reasons for taking out a mortgage from ABN AMRO
Support from A to Z
A personal mortgage adviser: from the early stages of your house hunt until the mortgage has been secured.
25 years’ experience
Dutch mortgage market leader and expert in expats.
Service in English
The whole process and mortgage application are in English, with English-speaking mortgage advisers.