Mortgage advice for expats in Valkenswaard & Eindhoven region
Are you an expat living in Valkenswaard, Veldhoven, Waalre, Bergeijk, Eindhoven (or nearby) and thinking about buying a home in the Netherlands?
We provide independent mortgage advice in English, tailored to expats. From explaining Dutch mortgage rules to calculating your maximum borrowing capacity and helping you prepare a strong offer: we guide you from start to finish.
Why expats choose Van Bruggen
Buying a home in another country can feel overwhelming. Dutch mortgage rules, income requirements and bidding strategies are often very different from what you’re used to.
Expats choose us because you get:
- Independent mortgage advice (not tied to one bank)
- Clear explanations in English (no jargon, no surprises)
- Experience with international income, payslips and employment contracts
- Help with financial approval before bidding (so you can act fast)
- Guidance through the full process: mortgage, offer strategy, and next steps
You’ll know exactly where you stand before making any decisions.
Can expats get a mortgage in the Netherlands?
Yes: in many cases, expats can qualify for a Dutch mortgage. Your eligibility depends on your situation.
Important factors include:
- Type of employment contract (permanent or temporary)
- Income level and stability
- EU or non-EU nationality
- Residency status
- Whether you benefit from the 30% ruling
In most cases, you can borrow up to 100% of the property value (subject to income and lending rules). We assess your situation in advance, so you know your maximum mortgage and estimated monthly payments before you start house hunting.
Step-by-Step: Buying a House as an Expat
1
Introduction and intake
We start with a free consultation to understand your plans, timeline and background.
2
Financial check & maximum mortgage
We calculate your borrowing capacity and expected monthly costs. You’ll receive a clear overview in English.
3
Mortgage options & lender selection
We compare lenders and conditions and advise what fits your situation — not just the lowest rate.
4
Ready to bid: your offer strategy
We help you prepare a realistic offer and the right conditions (financing clause, inspection, deadlines).
5
Mortgage application & documents
We submit your mortgage application and guide you through the document process.
6
Final steps: valuation, notary & completion
We coordinate the remaining steps leading up to the notary appointment and transfer of ownership.
Local focus: Valkenswaard & the Eindhoven region
We support expats buying homes in and around:
Valkenswaard, Veldhoven, Waalre, Bergeijk, Leende, Geldrop, Eersel, Bladel, Maarheeze and of course Eindhoven.
Whether you’re looking for a family home, a first purchase, or a next step after renting in the region — we’ll help you move forward with clarity and confidence.
About Van Bruggen Valkenswaard
At Van Bruggen Valkenswaard, you work with local advisors who understand both the Dutch mortgage market and the international character of the Eindhoven region.
We combine independent mortgage advice with personal guidance. That means we compare multiple lenders, explain everything clearly in English, and stay involved from the first calculation to the notary appointment.
Meet mortgage advisors Joe & Mike
At Van Bruggen Valkenswaard, you’re not on your own. Joe van den Bergh and Mike Nijssen know the local market and provide clear, honest and personal advice. We take the time to explain everything step by step, so you can make confident decisions.
“At Van Bruggen Valkenswaard, we look beyond the numbers.
We provide peace of mind, clarity and comprehensive advice — from mortgages and real estate to insurance — fully tailored to your personal situation.”
Joe van den Bergh, mortgage advisor Van Bruggen Valkenswaard
