Finance your house
Highly rated by expats, mortgage calculator,
English experts, big savings
Independent English-speaking mortgage specialists – helping you buy your home with expert advice, full support, and big savings.
Rated 9,5 by our clients
Lightning-fast response time
100% independent advice
Clear explanations in plain English
How much could I save
by arranging my mortgage here?
Many homebuyers—especially expats—end up paying more than they need to, whether buying a new home or increasing an existing mortgage.
Clients here often save up to €2.500,-. Put that money toward upgrades or sustainability instead of fees.
You’ll quickly see you can save hundreds to even thousands of euros, regardless of your situation or the mortgage package you choose.
Below, you’ll get an instant, clear estimate of your savings when you arrange your mortgage with Zelf Hypotheek Afsluiten. Then see how it works and read reviews from other expat buyers. And yes—our specialists are English-speaking.
Our Mortgage Packages (expat-friendly):
_ Package 1 _
Execution Only
includes mortgage report + digital support
From:
€ 790
As far as we know, we’re the only provider offering this package.
_ Package 2 _
Execution Only hypotheek
From:
€ 490
Typical competitor pricing:
First-time buyers: € 695,-
Movers & remortgages: € 895,-
_ Package 3 _
Mortgage Report + Digital Support (with video call)
From:
€ 975
Typical competitor pricing:
First-time buyers € 2250,-
Movers: € 3500,-
_ Package 4 _
Comprehensive Advice
(in-office)
includes mediation and a full mortgage advice report
From:
€ 1.750
Typical competitor pricing:
First-time buyers: € 2250,-
Movers: € 3500,-
Not sure which package fits you?
Totally normal—we’re happy to help. In a short personal call, we’ll look at your situation and recommend the best fit.
Book a free consultation.
Or call us on +31577 408000.
What can we help you with?
Heb je vragen over je hypotheek?
We helpen je graag verder.
Onze specialisten nemen de tijd om je vragen te beantwoorden. Vrijblijvend en kosteloos, je bepaalt helemaal zelf of je de hypotheek via ons regelt. Neem contact op of bel ons.
Benieuwd wat je
maximaal kunt lenen bij een hypotheek?
Heb je een droomhuis op het oog of wil je de hypotheek oversluiten? Dan wil je ook weten hoeveel hypotheek je kunt krijgen. Bij ons kun je jouw maximale hypotheek berekenen met je bruto jaarinkomen en dat van je -eventuele- partner. Zo'n online berekening geeft je een idee van wat je kunt lenen. Uiteraard is het ook mogelijk dat wij je hiermee helpen. Neem sowieso in het geval van een hypotheek even contact met ons op.
Read real client reviews — and decide if we’re the right fit
We can tell you what we’re good at, but we’d rather let our clients speak. Browse genuine reviews and decide whether you want to arrange your mortgage with us.
Note: reviews are from real clients only. Some may be anonymised at the client’s request. All reviews are authentic and published with client consent.
10 
DILEM
26 sept 2025 10:01
What a wonderful service!
I was on the verge of losing my house because a different advisor dropped my case just a couple of days before the notary date. That’s when I started working with Zelf Hypotheek Afsluiten and everything completely turned around.
Since I was already under huge stress from my previous advisor’s incompetence, I needed clear information and reassurance. The team here was calm, patient, and professional. They explained everything in detail, kept me updated, and even managed to fast-track my case so I wouldn’t lose my contract.
Their system works perfectly, it’s straightforward, easy to use, and never once gave me any trouble.
A special shout out to Patrick, who handled my case. He speaks great English, is sincere, and really made me feel supported. For non-Dutch speakers like myself, I can’t recommend their service enough! Even though the system itself is in Dutch, you have nothing to worry because the people behind it make sure you’re completely supported every step of the way.
I can’t thank them enough. You can go through the whole process without a single doubt on your mind with them!
..
Hi, a quick introduction!
We’re Henry and Lester, mortgage specialists. We support and guide you through your mortgage application and—if desired—through the purchase and/or sale of your home.
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Be smart.
Get started in your portal.
We’ve helped 10.193 people with their mortgage.
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We’re sending you this message right away to help you find your way around the portal. Feel free to look around and get started with no obligation. Have a question? Check the Messages section in the portal. Prefer a quick call? Of course — we’re available on business days at +31577408000.
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How does it work?
We offer you the possibility to arrange your own mortgage at a competitive fee, with guidance and fast response times from one of our mortgage specialists.
Please note: the portal is in Dutch, but all support and answers are provided in English by our English-speaking mortgage specialists.
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Jouw goedkoopste hypotheek.
Na het aanmaken van een gratis account wordt door het stellen van gerichte vragen automatisch een hypotheekprofiel opgebouwd. Op basis hiervan wordt snel helder welke regelingen en geldverstrekkers
in jouw situatie interessant zijn.
Alsof je bij een hypotheekadviseur om de hoek bent
en zo controle houdt over je hypotheekaanvraag.
De oriëntatiefase is gratis en vrijblijvend, ga daarom snel aan de slag en ontdek jouw mogelijkheden. Omdat een huis kopen een een hypotheekaanvraag best spannend en stressvol kan zijn, vinden wij goede bereikbaarheid belangrijk. Bij ons liggen je vragen niet dagenlang op de plank.
We zijn daarom goed bereikbaar via whatsapp, telefoon en mail. Je kunt zelfs een gratis videocall inplannen. Je krijgt razendsnel antwoord waar je gelijk mee uit de voeten kunt.
Heb je al een account? Dan kun je bovendien berichten sturen aan een hypotheekspecialist die aan jouw hypotheekprofiel is gekoppeld. Zo word je niet van het kastje naar de muur gestuurd, maar belandt jouw vraag direct op de juiste plek. Handig toch?
A Quick Tour of the Mortgage Portal
See how it works, upload, track — plus quick chat and fast responses.
Messages
Quick chat?
Here you’ll find all communication between you and your mortgage specialist. Please keep an eye on your messages.
Working on your mortgage application? You’ll also see alerts here when specific documents are needed.
Have a question? Ask it here.
Note: when we post a message for you, you’ll also receive a notification at your registered email address. Not receiving our emails? Please check your spam folder.
Mortgage application
Fill in, review — and move forward
By answering targeted online questions, we’ll clarify your mortgage profile.
Don’t know something right away? No problem — you can add or edit anytime.
Stuck? Ask your question and we’ll help you quickly.
Ready for a final check or for us to take over? Explore your options with a no-obligation orientation, or proceed to an application. Our advisor will review your file and, once you approve, we’ll submit the application immediately.
Documents
Document exchange between you and us
Every mortgage application is different, and so are the required documents. Based on the answers you provided in your application, you’ll be notified which documents you need to supply. You can then upload those documents here—for example, a copy of your ID card, an employer’s statement, etc.
Mortgage Knowledge Test
Required only for Execution Only
If you want to arrange your mortgage without advice, you must complete the AFM (Dutch Authority for the Financial Markets) mortgage knowledge test. You can take this test in the portal free of charge. Depending on your level of mortgage knowledge, it takes about 5 minutes and contains approximately 20–25 questions.
Smart extras: handy mortgage tools.
When taking out a mortgage, there’s a lot to organise. Check the tools below to see where we can help you further.
See how much you can borrow
Maximum mortgage
Estimate your monthly costs
Monthly payments
Compare current market rates
Compare rates
We’re happy to help with income protection
Disability insurance (AOV
Find the cheapest term life
Term life insurance (ORV)
Free service from our specialist
Free mortgage rate selection
Questions? Get advice — we’re happy to help!
Our specialists take the time to answer your questions. Free and without obligation — you decide whether to arrange your mortgage with us. Contact us or give us a call.
Curious how much you can borrow?
Found a dream home or thinking about refinancing? Then you’ll want to know how much mortgage you can get. With us, you can calculate your maximum mortgage using your gross annual income (and your partner’s, if applicable). This online calculation gives an indication. Prefer help? Just contact us.
Even more benefits when buying or selling your home?
There’s more to buying or selling a home than just the mortgage. Check below to see where we can help you at sharp rates.
Appraisal report
- NWWI-validated appraisal report
- Accepted by all mortgage lenders
- Appraisal costs are tax-deductible
from 625,-
Including 21% VAT
Building inspection
- Complies with NHG standards
- Strong knowledge of local and regional markets
- Experienced, independent building inspectors
425,-
Including 21% VAT
Energy label
- Certified energy advisors
- Reliable and independent - Official NTA8800 energy label
350,-
Including 21% VAT
And finally:
handy information at a glance
You can choose from annuity, linear, and interest-only mortgages, each offering unique advantages based on your financial goals.
Yes, expats usually receive the same rates as Dutch citizens, as long as they meet the lender’s requirements.
Generally, you’ll need identification, proof of income, bank statements, and a Dutch residence permit if applicable. Specific requirements may vary by lender.
Yes, we provide full English-language support from start to finish, so you can feel at ease every step of the way.
Yes, it’s possible. Some lenders may ask for additional assurances, like an employer’s statement or a higher deposit, if you’re on a temporary contract.
Rates can vary based on factors such as the mortgage type, loan duration, and market conditions. They generally range from around 3-5% for fixed-rate options.
Yes, expats and English speakers can obtain mortgages for secondary properties, though terms may differ and interest rates may be higher for investment properties.
Most lenders allow borrowing up to five times your gross annual income, though the specific amount depends on your income and monthly obligations.
Yes, the mortgage interest on primary residences is generally tax-deductible, offering potential savings on your taxable income.
Using a comprehensive comparison tool or working with an advisor who understands expat and English-speaking needs is ideal. We provide up-to-date rates and tailored guidance to help you make the best choice.
Our English-speaking clients rate us 9.8/10. They highlight our clear plain-English guidance, lightning-fast responses, fully independent advice, and a smooth online process. Read the review below, or see more experiences on our reviews page.
What a wonderful service!
I was on the verge of losing my house because a different advisor dropped my case just a couple of days before the notary date. That’s when I started working with Zelf Hypotheek Afsluiten and everything completely turned around.
Since I was already under huge stress from my previous advisor’s incompetence, I needed clear information and reassurance. The team here was calm, patient, and professional. They explained everything in detail, kept me updated, and even managed to fast-track my case so I wouldn’t lose my contract.
Their system works perfectly, it’s straightforward, easy to use, and never once gave me any trouble.
A special shout out to Patrick, who handled my case. He speaks great English, is sincere, and really made me feel supported. For non-Dutch speakers like myself, I can’t recommend their service enough! Even though the system itself is in Dutch, you have nothing to worry because the people behind it make sure you’re completely supported every step of the way.
I can’t thank them enough. You can go through the whole process without a single doubt on your mind with them!
Dilem, sept 2025
