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.
Some options for when choosing a mortgage
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The type of mortgage repayment
There are 3 different types mortgage you can take out with us: annuity, linear, or interest only. Compare these different types in advance, and consider which form of repayment suits you best.
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Fixed interest period
When you take out a mortgage you can fix the interest on it for an agreed amount of time. During this period your interest remains the same, so that you know exactly what you will pay for your mortgage each month.
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Making your home more sustainable
Taking energy-saving measures can translate into savings in monthly energy costs, as well as increasing the comfort of your home. With NIBC, you can co-finance energy-saving measures for your new home, up to 106% of its market value. This does depend on your personal situation, so be prepared to discuss it in detail with your advisor.
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.