Feel at home with NIBC

Mortgage for expats

Are you finding it difficult to get a mortgage as an expat? Not with NIBC!

Lachende Man Bank Blauw Achtergrond Rood
Lachende Vrouw Blauw

NIBC and expats

With or without a National Mortgage Guarantee

If you are an expat you can apply for a mortgage with us, whether or not you have a national mortgage guarantee, as long as you have lived and worked in The Netherlands for a minimum of 6 months.

Financing for up to 100% of the market value

With NIBC, you can finance 100% of the market value of your property. If you include energy saving measures , you can finance up to 106%.

Are you from outside the EU?

If so, you’ll need a non-temporary residence permit – further information can be found on the immigration and naturalization service website . With a national mortgage guarantee, you can borrow up to 100% of the market value of your property. Without a national mortgage guarantee, you can borrow up to 95% of the market value (with the NIBC mortgage), and 100% (with the NIBC Extra mortgage).

UN, or UN-affiliated, companies

Do you earn an un-taxed salary, or have a ‘temporary employment contract without intention’? If so, contact a financial advisor to ask about your options.

Important things to remember when choosing a mortgage

Why a NIBC mortgage

Digital access

You can access all your information via the personal app or portal. Adjust your mortgage, make extra repayments, or submit expense claims for renovations… Everything can easily be managed digitally via MyNIBC.

Rewards for repayments

Want to make an extra repayment? With NIBC , this is no problem. Each year you can pay up to 15% of your mortgage off without facing a penalty. With an NIBC Extra mortgage, you can pay off up to 20%. If you make extra repayments, you will automatically be rewarded with lower interest.

Construction depot

We understand that when you are renovating you already have your hands full, and it’s better if your building fund doesn’t take too long to arrange. This is why making related declarations via the app only takes up to 2 minutes!


Mortgage advice for expats

Do you have questions or would you like to know more about buying a house as an expat? A mortgage advisor can help you with this or give you advice based on your personal situation. Make a no-obligation appointment with an independent mortgage advisor in your area.

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