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Mortgage services for Expats

The mortgage market changes all the time, not just in terms of mortgage characteristics and regulations, but also in the way banks and mortgage loan providers assess client applications. We pride ourselves on being up to date with regulation and the housing market.

HypotheekVitaal (Quick Facts B.V.) has its registered office in Utrecht and is registered in the Trade Register with the following numbers 80964028. Hypotheekvitaal is registered with the Netherlands Authority for the Financial Markets (AFM) under license number 12049293. You can read more about HypotheekVitaal by visiting the website:

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Independent advice on mortgage essentials

Getting a mortgage as an expat presents unique challenges compared to Dutch citizens. Lenders often exercise caution with unconventional income sources like in case of foreign employment. In such situations, an independent mortgage advisor can be invaluable. We offer tailored-made advice based on your unique ties to the Netherlands and the origins of your funds. Advisors can also navigate constraints like loan caps at 90% of a property’s market value, providing a more personalized and favorable mortgage solution.

While our online calculator can give you a reliable estimate of your borrowing capacity, an one-on-one consultation with our (expat) mortgage advisors will offer you a much more detailed and personalized assessment. These mortgage advisors are highly experienced in providing the answers and insights you will need for all aspects of your home purchase.

To get a good understanding of the mortgage options in the Netherlands, it is essential to familiarize yourself with two things: mortgage types and interest rates. That is why we will provide you with clear and accessible explanations of these key concepts, and align the mortgage offering with your individual preferences and priorities.

Our mortgage advice is completely independent. We only serve the interests of our clients and are not dependent on any lender. Our experienced and certified mortgage advisors only provide advice that suits you. In the Netherlands, we compare nearly 40 lenders, including your own bank. After comparing relevant mortgages and lenders, our mortgage advisors will work with you to select the mortgage with the most suitable terms, conditions and monthly costs. We take care of the entire settlement, from applying to closing the mortgage and related financial products.

In short, an independent mortgage advisor helps you to navigate through the complexities of the mortgage landscape, ensuring you meet all regulations while securing the best mortgage terms for your situation.

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  •  Always personal, efficient and independent mortgage advice
  • Realize savings on interest costs through an optimized mortgage construction
  • Perfect preparation for a succesful mortgage application

  • Digital or on-site

Contact us

E-mail address
Telephone number
Reason for appointment

Office details

030 890 94 09
Parijsboulevard 209
3541 CS Utrecht (Leidsche Rijn)

Kifid-nummer 300.018572 
AFM-nummer 12049293
KvK-nummer 80964028 

Opening hours

Monday 09:00 - 17:30
Tuesday 09:00 - 17:30
Wednesday 09:00 - 17:30
Thursday 09:00 - 17:30
Friday 09:00 - 17:30
Saturday Closed
Sunday Closed

Weekends and evenings only on appointment

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Als adviseur is het onze taak dat jij in jouw privéleven weet dat de financiële zaken goed geregeld zijn. Denk bijvoorbeeld aan complexe zaken als jouw hypotheek en financiële planning. Een huis kopen, trouwen of samenwonen, kinderen krijgen, studerende kinderen, stoppen met werken;  Wij helpen je zodat je goed op deze en andere gebeurtenissen bent voorbereid.


Parijsboulevard 209 (hoofdkantoor)
3541 CS Utrecht (Leidsche Rijn)

Fascinatio Boulevard 204 (op afspraak)
3065 WB Rotterdam

Olympia 2D (op afspraak)
1213 NT Hilversum


Tel: 030 890 94 09


Maandag t/m vrijdag
09:00 - 17:30

Weekenden en avonduren op afspraak



AFM 12049293
KVK  80964028

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