Guides tagged "mortgage"
Should an Expat Buy a Home in the Netherlands? A Financial Readiness Test Before You Bid
The real question before a Dutch home purchase isn't what the bank will lend — it's whether you can carry the decision if your Netherlands plan changes. A go/no-go framework for expats.
5 min read
Should You Pay Off Your Dutch Mortgage Before FIRE?
In the Netherlands the payoff question isn't just mortgage rate versus market return — it's a Box 1 debt weighed against Box 3 cash, a shrinking interest deduction, and the eigenwoningforfait. Here's how the pieces actually fit.
6 min read
Rental Property as a Second FI Vehicle in the Netherlands
Buy-to-let property isn't taxed like the home you live in — it lands in Box 3, not Box 1. Here's how that changes the math for anyone weighing it as a second pillar next to index funds.
5 min read
Mortgages for Expats in the Netherlands: What Changes Without Dutch Credit History
Why a blank Dutch credit record is the single biggest obstacle expats hit when applying for a mortgage, what lenders ask for instead, and where NHG does and doesn't help.
4 min read