Mortgage advisor in Arnhem
Buying a home in the Netherlands? Let's talk, in English.
Dutch mortgages come with their own rules, words and paperwork. I am Marcel Lether, an independent mortgage and financial advisor in Arnhem. I compare more than 30 Dutch lenders, explain every step in plain English and guide you from the first meeting to the keys. The introduction is free.
How I can help
Independent advice for expats and internationals
Can you get a Dutch mortgage?
Your income, contract type, residence status, savings and existing commitments all matter. I assess your situation and tell you honestly what is realistic before you start viewing homes.
How much can you borrow?
Dutch lending rules cap your mortgage at 100% of the property value, so you need savings for the purchase costs. I calculate your budget, your monthly payments and the cash you need.
Which lender fits you?
Lenders differ in how they treat temporary contracts, foreign income, 30% ruling and self-employment. I know who is flexible and compare rates and conditions across more than 30 providers.
The whole process
From the offer and the financing clause to the valuation, the notary and the mortgage deed. I coordinate with the estate agent and notary and keep you informed throughout.
Step by step
From first meeting to keys
Meetings can be at my office in Arnhem, at your home or online. Official lender and notary documents are in Dutch; I explain what they say and what you are signing.
- 1
Free introduction
We discuss your plans, income, contract and savings. You leave with a realistic budget and a list of documents you will need.
- 2
Search and offer
With a clear budget you can act quickly when the right home comes up. I advise on the financing clause and the timing of your offer.
- 3
Mortgage application
I compare lenders, submit the application, arrange the valuation and keep track of the deadlines in your purchase contract.
- 4
Notary and keys
You sign the deeds at the notary and receive the keys. After that I remain your point of contact for changes and questions.
About Marcel
Independent since 1998, in three languages
I have worked in financial advice since 1998. Before that I was a nurse in intensive care and on the ambulance, which taught me to stay calm and explain complicated things simply. I am not tied to any bank, I do not receive commission, and I advise in Dutch, English and German.
- Licensed by the Dutch financial regulator AFM (12020227) and member of the complaints institute Kifid
- Rated 10 out of 10 by 239 clients on the independent review site Advieskeuze.nl
- Office in Arnhem with free parking nearby; home visits and video calls available
FAQ
Questions expat homebuyers ask
A few things international clients often want to know before the first meeting.
Often yes. It depends on your contract, your residence status and the lender's criteria. Some lenders accept a temporary contract with an employer's statement of intent; others look at your work history. I check this before advising you on a budget.
Dutch mortgages cover at most 100% of the property value, so the purchase costs (transfer tax, notary, valuation, advice) come from savings. Count on roughly 4 to 6% of the price, less if you qualify for the first-time buyer exemption from transfer tax.
Most lenders base the calculation on your gross salary; some take the 30% ruling into account, which can increase what you can borrow. I compare lenders on this point.
Yes. I assess your business figures and compare lenders that suit your situation. The required history and documents differ per lender.
The introductory meeting is free and without obligation. In that meeting I explain the scope and the fixed fee for your situation. I do not receive commission from lenders.
Our meetings and my explanations are in English. Official lender and notary documents are in Dutch. I walk you through them, and we can arrange a translator for the notary appointment if required.
Contact details
Phone
+31 26 205 8010WhatsApp
+31 6 1195 2772E-mail
info@mlfa.nlOffice
Meander 651, 6825 ME Arnhem
free parking nearby
Hours
Monday to Friday, 09:00 to 17:00
evening meetings by appointment
Ready to start with a clear budget?
Tell me where you are in your search. The first meeting is free, in Arnhem or online.