Commercial vs. consumer buy-to-let
There is a big difference between investing in property commercially as a professional and as a consumer. For example, consumer investment is regulated by the AFM, professional investment is not. For consumers, there is the same income assessment as for a normal mortgage (under certain conditions the future rent can be added to your income), while in commercial investment the rental stream is the main factor.
There are mortgage providers that only service the professional market, while others are only for consumers, or service both markets (the articles on the pages of the lenders are all in Dutch).
NIBC, Lloyds, RNHB, ING, Woonfonds, NN, Handelsbanken, Rabobank, Dynamic Credit, etc.
NIBC, Domivest, RNHB, ING, Handelsbanken, DCMF, Fiduciam, Mogelijk, etc.