Residence permit types:
- Non-temporary: When you have a residence permit for a so-called ‘non-temporary purpose of stay’, you can typically obtain a mortgage without any difficulty.
- Temporary: In the case of a residence permit for a temporary purpose of stay, there are almost no available options.
For more information on residence permits, check the Dutch Immigration and Naturalisation Service: IND (page in Dutch).
In general, your options for financing a home depend on the type of temporary residence permit you have been issued. As a highly skilled migrant, your chances are generally best.
If you are in the Netherlands on a skilled labour basis (if this is the case, the back of your residence permit will state ‘Kennismigrant’), there are quite a few options with lenders to provide 100% of the loan-to-value that you would typically be entitled to, based on your income. Loan to value here means that banks will lend you 100% of the value of the property.
Be aware that when you apply for a mortgage, your passport and residence permit both need to be valid, and must not have expired!