Getting a Mortgage in the Netherlands as a Freelancer or Non-Traditional Worker: What to Know

In the Netherlands, getting a mortgage can be a challenge if you're a freelancer, self-employed, or working under a non-standard contract. But it’s not impossible — and understanding how the system works will put you in a much stronger position.

Here’s a clear breakdown of what you need to know and how platforms like Huisly can support your home search journey.

1. How Dutch Lenders Assess Income

Mortgage lenders in the Netherlands focus heavily on income stability. For salaried employees with a permanent contract, the process is usually straightforward.

However, if you’re self-employed or a freelancer, lenders will want to see:

At least 3 years of consistent income (in most cases)

Financial statements or tax returns (inkomstenbelasting)

A healthy debt-to-income ratio

If you’ve been freelancing for less than 3 years, some banks might still consider your application — but with more scrutiny.

2. Challenges for Freelancers and Non-Standard Workers

Some of the common situations that can make it harder to get a mortgage include:

Working on temporary contracts

Running a new business

Earning income from multiple countries

Having a part-time or mixed-income structure

These aren't disqualifiers, but they often lead to more documentation requests or stricter terms.

3. Tips to Improve Your Chances

If you're in a flexible or freelance role, here’s how you can strengthen your application:

✅ Prepare detailed financial records — at least 3 years of tax returns, income reports, and proof of savings. ✅ Work with a mortgage advisor who understands the expat and freelancer market. ✅ Build a strong savings buffer to show financial security. ✅ Consider buying with a partner who has a fixed income — this can improve approval chances. ✅ Request pre-approval from lenders to see what’s realistically possible.

4. What About Expats?

Many Dutch banks are open to offering mortgages to non-Dutch residents, especially if:

You have a BSN (citizen service number)

You’ve lived and worked in the Netherlands for at least 6 months

You’re employed by a registered company or have a steady self-employed income

Foreign income or assets may also be considered, but lenders tend to prefer local financial histories.

5. Interest Rates and Conditions May Vary

Depending on your employment status, the interest rate or loan-to-value ratio might be adjusted. For example, a freelancer may be offered a lower maximum mortgage amount or asked for a higher down payment.

Being well-prepared and realistic can help you secure favorable conditions despite these limitations.

6. How Huisly Can Help

At Huisly, we understand the variety of situations people are in — whether you're freelancing, consulting, or transitioning between jobs.

That’s why we bring together listings from popular sites like Funda, Pararius, Kamernet, and more, into one clear platform. It saves you time and gives you a better overview of what’s on the market — whether you're buying or renting.

Final Thoughts

Getting a mortgage in the Netherlands as a freelancer or international resident may come with extra steps, but it’s absolutely doable with preparation and the right support.

Explore your options early, gather your financial documents, and use platforms like Huisly to find the right property that matches your financial situation.

Looking for a home that fits your freelance lifestyle? Search smarter with Huisly — one platform, all listings, tailored to expats and flexible workers like you.