Expat Mortgages
Expat Mortgages is a Dutch mortgage brokerage that advises international expatriates on purchasing residential property in the Netherlands, providing English-language personal advisory, lender matching, and document support on a success-based fee structure.
- Company typePrivate
- Founded2007
- HeadquartersAmsterdam, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Expat Mortgages does
Expat Mortgages B.V. is a privately-held Dutch mortgage brokerage founded in 2007 and headquartered in Amsterdam, specializing in mortgage advisory for international expatriates purchasing residential property in the Netherlands. The firm serves foreign nationals navigating a complex, Dutch-language mortgage system characterized by strict eligibility rules, non-standard income treatments, and competitive bidding dynamics — services are delivered in English by dedicated personal mortgage advisors across video, phone, WhatsApp, and in-person consultations, with revenue generated through success-based professional fees charged only upon successful mortgage completion and property transfer.
The company's core product is its full-service advisory offering, which guides clients from initial eligibility estimation through lender matching, application processing, and coordination with notaries. Supporting this core service are two proprietary technology assets: a free Dutch Mortgage Calculator that estimates maximum borrowing capacity based on salary inputs (with solo and joint-application logic), and a secure online customer portal for document upload and case management. An add-on product, the Secure Bidding Plan, provides enhanced support during competitive property bidding situations.
Commercially, Expat Mortgages operates a sales-led, consultative GTM targeting a single persona — international expats buying homes in the Netherlands. Marketing is concentrated in three channels: a content-rich website with educational resources and the mortgage calculator, an extensive base of 500+ five-star Google Reviews serving as social proof, and a referral network comprising real estate agents (Property Experts, J&B Makelaars) and a tax-advisory partner (Orange Tax). Pricing is not publicly disclosed; fees are quote-based and billed as a single professional-services charge upon closing, with add-on services layered for higher-value engagements. The firm employs 11–50 people, has served thousands of clients over the past decade, and focuses exclusively on the Netherlands market.
Expat Mortgages firmographics
Firmographics- Name
- Expat Mortgages
- Legal name
- Expat Mortgages B.V.
- Website
- https://expatmortgages.nl
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Expat Mortgages is a Dutch mortgage brokerage that advises international expatriates on purchasing residential property in the Netherlands, providing English-language personal advisory, lender matching, and document support on a success-based fee structure.
- Ownership category
- akta.pro rank
Expat Mortgages industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industry
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)
Keywords
Where Expat Mortgages is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Expat Mortgages business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Mortgage Brokering Services: Professional services fee charged upon successful mortgage completion. Clients pay only when the property purchase is finalized and mortgage is secured.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Professional mortgage brokering services for expats |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Expat Mortgages product offering
Product offeringCore offering
Expat Mortgages provides specialized mortgage brokerage and advisory services for expatriates buying residential property in the Netherlands. Core deliverables include full-service mortgage advisory (from initial consultation through mortgage approval and notary signing), an online Dutch Mortgage Calculator for borrowing capacity estimation, and a Secure Bidding Plan add-on for competitive purchase situations. Services are delivered in English by personal mortgage advisors and supported by an online document portal for paperless application management.
Product overview
Expat Mortgages operates as a specialized mortgage advisory firm serving international clients in the Netherlands. The core offering consists of mortgage advisory services combined with an online Dutch Mortgage Calculator tool. Additional services include the Secure Bidding Plan add-on for competitive bidding situations, and coordinated tax advisory support through partner Orange Tax. The company does not offer a SaaS platform but rather human consultant-led services with online document management capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgage Advisory Services
- Dutch Mortgage Calculator
Companies that use Expat Mortgages
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Expat Mortgages technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Expat Mortgages partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- Property Experts (Ruben van der Woude)minorReal estate agent partnership providing coordinated home-buying services. Expat Mortgages connects clients with Property Experts for buying agent services, enabling seamless communication between mortgage advisory and property search.
- Orange TaxminorTax advisory partnership providing free tax consultation services for two years after mortgage completion. Expat Mortgages coordinates tax refund assistance and ongoing tax matters with Orange Tax on behalf of clients.
- J&B MakelaarsminorReal estate agency that refers clients to Expat Mortgages for mortgage advisory services.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Expat Mortgages competitors and assessment
Company assessmentDirect peers
- De Hypotheker: Long-established Dutch mortgage broker franchise network serving retail mortgage customers through advisor-led intermediation across the Dutch market—an overlapping go-to-market and product set for Expat Mortgages, though serving a general (not expat-specialist) audience.
- De Hypotheekshop: National Dutch mortgage brokerage retail chain offering personal-advisor-led residential mortgage intermediation—a direct functional peer to Expat Mortgages' advisory-led brokerage model, again with a generalist rather than expat focus.
- Hypotheek Visie: One of the largest independent mortgage advisory chains in the Netherlands, offering residential purchase and refinance brokerage across multiple Dutch lender products—directly comparable business model to Expat Mortgages, although without the expat-specialist positioning.
- Monex Financial Solutions: UK-based broker specializing in cross-border and expat/international mortgage origination—the closest direct peer in terms of serving internationally mobile borrowers, although operating into UK rather than Dutch lender panels.
Broad incumbents
- ABN AMRO: Large Dutch bank with a dedicated international-clients desk providing mortgages and financial planning to expats—a key incumbent competitor in the Dutch expat mortgage segment where Expat Mortgages also positions.
- Independer: Dutch online comparison platform aggregating mortgage, insurance and financial products from multiple providers—an incumbent channel that funnels self-directed borrowers toward lenders directly, representing the kind of digital disintermediation that constrains traditional brokers like Expat Mortgages.
- ING: Major Dutch retail bank offering mortgages directly, including an international/expat-focused service line—a broad incumbent whose in-house mortgage channel competes with Expat Mortgages' independent advisory positioning in the same Dutch residential market.
- Rabobank: Major Dutch retail and cooperative bank offering residential mortgages with relationship-manager support—a broad incumbent competing for the same Dutch residential borrower demand, including international clients served by Expat Mortgages.
Emerging players
- Habito: UK-based digital-first mortgage broker offering end-to-end online mortgage advice and application—an emerging, tech-led broker model that competes with traditional advisor-led intermediaries including Expat Mortgages for English-speaking, digitally inclined mortgage customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Expat Mortgages financial estimates
Financial estimateRevenue estimate
Valuation estimate
Expat Mortgages leadership team
Management profileNumber of profiles
Expat Mortgages funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Expat Mortgages M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Expat Mortgages
What does Expat Mortgages do?
Expat Mortgages provides specialized mortgage brokerage and advisory services for expatriates buying residential property in the Netherlands. Core deliverables include full-service mortgage advisory (from initial consultation through mortgage approval and notary signing), an online Dutch Mortgage Calculator for borrowing capacity estimation, and a Secure Bidding Plan add-on for competitive purchase situations. Services are delivered in English by personal mortgage advisors and supported by an online document portal for paperless application management.
Is Expat Mortgages a public or private company?
Expat Mortgages is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Expat Mortgages founded?
Expat Mortgages was founded in 2007. It employs 11 to 50 people.
Where is Expat Mortgages based?
Expat Mortgages is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Expat Mortgages make money?
One revenue line is on record: mortgage Brokering Services.
Who are Expat Mortgages's main competitors?
Direct peers on record are De Hypotheker, De Hypotheekshop, Hypotheek Visie and Monex Financial Solutions. Broad incumbents are ABN AMRO, Independer, ING and Rabobank. Habito is listed as an emerging player.
Does Expat Mortgages have an API?
No public API is recorded for Expat Mortgages.
What industry is Expat Mortgages in?
Expat Mortgages's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial). Its NAICS code is 522310 and its SIC code is 6163.