Residence permit type
In general, it depends on the type of temporary residence permit you have, what your options for financing a home are. As a highly skilled migrant your chances are generally best. When you are in the Netherlands based on your skilled labor (the back of your residence permit states ‘Kennismigrant’), there are quite a few options with lenders to provide 100% of the loan to value that you would typically otherwise get based on your income. Loan to value here means that banks will lend you 100% of the value of the property.
But also when you are a researcher or if you are living in the Netherlands based on other temporary residence permits, there are generally good chances of getting a mortgage depending on the goal of your stay in the Netherlands.
It is important to note that your options may also vary among different Dutch mortgage lenders. So it is always advisable to consult a mortgage consultant about your specific situation.