Your Independent Mortgage & Insurance Expert in the Netherlands
Navigating the Dutch housing market and financial system as an expat doesn't have to be complicated. At Van Leeuwen Financiële Diensten, we provide clear, English-spoken advice to help you secure your dream home in the greater The Hague area and beyond.
Let's Make it Home
Buying a house in a new country comes with unique challenges. From understanding complex bank requirements regarding temporary contracts and performance bonuses, to navigating the local tax system and notary processes, you need a partner who understands the details.
As a fully certified Mortgage Advisor (Erkend Hypotheekadviseur) and Sustainability Advisor, I specialize in guiding expats through every step of the Dutch financial landscape. Whether you are buying your first home, looking into a buy-to-let property, or need to secure your family's future with the right insurances, I offer independent, personalized, and transparent advice.
Advice built around your situation
100% Independent Advice We are not tied to any single bank. We compare policies, interest rates, and acceptance criteria across all major Dutch lenders to find the perfect match for your specific income structure.
Expat-Specific Expertise We know exactly how banks handle non-Dutch contracts, the 30% tax ruling, international wealth, and overseas gifts. We ensure complex compliance checks run smoothly to prevent delays.
A Complete Financial Picture A mortgage is only part of the equation. We also arrange your mandatory and recommended insurances, guaranteeing your long-term financial peace of mind.
Personal Connection You will have one dedicated advisor —Bernd van Leeuwen— guiding you from our first cup of coffee until you receive the keys at the notary.
A Strong Local Network for Your Benefit
Finding the right house is just as important as financing it. Over the years, I have built strong partnerships with highly experienced, local real estate agents (aankoopmakelaars). When we team up, this close collaboration directly benefits you: it ensures seamless communication between your financial advisor and your real estate agent, prevents delays, and significantly strengthens your position when making a competitive offer on your dream home.
Clear help at every step
Tailored Expat Mortgages
Securing a mortgage in the Netherlands involves strict calculations based on your income, the property's energy label, and market value. We handle the entire process for:
- Residential Mortgages: Clear calculations based on your base salary, allowances, and how different banks weigh your annual bonuses.
- Bridging Loans: (Overbruggingshypotheek) Seamless financing if you are transitioning between properties.
- Buy-to-Let Mortgages: (Verhuurhypotheek) Financing solutions for real estate investments.
- Sustainability: Advice on energy-saving financing to future-proof your home.
Comprehensive Insurances
Protecting your assets and your family is crucial. We offer expert advice and setup for:
- Term Life Insurance (ORV): Ensuring your mortgage is covered and your family is financially secure in the event of a tragedy. We clearly explain the structural differences and benefits between joint and single-life policies.
- Home & Liability Insurance: Setting up the mandatory and recommended coverages to protect your new Dutch property and personal liability.
From first conversation to the notary
A clear route, with one advisor by your side
Introductory Meeting
A free, no-obligation conversation to discuss your housing wishes, current employment situation, and financial possibilities.
Financial Mapping
We calculate your exact borrowing capacity, factoring in all your income components and the energy label of your desired property.
Independent Advice
You receive a detailed, transparent proposal comparing the best banks and insurance providers for your exact situation.
Application & Approval
We handle all the paperwork, communication with the bank, and complex document verifications.
To the Notary
We review the final deeds and ensure a smooth transfer of ownership.
Ready to Discuss Your Options?
Let's sit down and look at your possibilities on the Dutch housing market. The first consultation is always at our expense.