EXPAT MORTGAGES | Mortgage advice for expats in the Netherlands
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Testimonials



Our experience of working with you, and your office staff, has at all times been exceptional AND beyond what we expected - as far as the results you got for us.
I am very aware that YOU were the reason the agent actually had the seller accept our offer. Thank you for that Henk!

I know this was not an easy application but lucky for us, we found Expat Mortgages and your team - as the last two companies we contacted to assist us - could not make it happen.

Many thanks Henk, (and Richardo)

kind regards

Sara and Morgan Thomas
Great Performance Group
January 2012
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When I started to consider buying my own place in Amsterdam, I was lost as how different it is to go about the morgage than in US. I met with a few Dutch Morgage Brokers and none of them could give me direct answers to my questions not mentioning some estimations for my morgage cost, payment etc. My friend recommended Richardo/Expat Morgages and after the first conversation he immediately gave me answers I was looking for with the estimations of all the numbers. There was no questions in my mind, who I am going to use as my Morgage Company. It was a very painless and actually nice experience and on top of everything else - it took a very short time to close that it surprised my Real Estate Agent and other people involved. I will always recommend Richardo and Expat Morgages for all morgage needs - GREAT EXPERIENCE!!!!

Barbara Bojar
Senior Sales Executive
Kintetsu World Express
Amsterdam
January 2012
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Hi Henk and Team,

Thanks a lot for your help along the course of the year.
It has been very much appreciated.
And thanks for the “something nice’’ too.

Hope you have a great year ahead,

Regards,

Nazish Zaidi
Derivatives Confirmations
Rabobank International
January 2012
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If you are a foreigner who doesn't speak Dutch and you're looking for
buying a house in the Netherlands, we highly recommend Chris and the
team of Expat Mortgages. They explain the many mortgages existing in
Holland and advise you which one fits you the best. Furthermore they
assist you step by step until the very end: the signature of the deed
at the “notaris”. My girlfriend and I are very satisfied and are
recommending Expat Mortgages to all the foreigner people who decide to
buy a property.
Thank you very much Expat Mortgages!!!

Gianpiero Pedone and Claude Girault
Merck Millipore
December 2011
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Hi Henk,

We would like to again express our appreciation for the services of Expat Mortgages on our behalf.
Your sense of detail and follow-up was (is) very much appreciated. A great team, thanks.

All the best for the holidays and a Happy New Year!!

Best regards,

Michael Welch & Claudia Abt
Nike Europe
December 2011
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"Richardo is extremely knowledgeable and is great at explaining options, answering questions, and making well-thought-out recommendations. He always presents information with my situation in mind, which makes it much easier for me to understand the mortgage process. I feel very confident trusting him as my mortgage advisor."

Amy Johnston
Technical writer at Tekelec Netherlands
December 2011
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Words are not enough to thank Henk and the team at Expat Mortgages for their professional assistance through the mortgage process.
Expat made the process really easy for us and gave us many good advice and practical help.
We could not have done it without you.
Thank you for making our dreams come true !

Każdy, kto potrzebuje pomocy w organizowaniu swojego kredytu na wymarzony dom / mieszkanie, z czystą odpowiedzialnością i z ręką na sercu możemy polecić Expat Mortgages, To profesjonalny team, odpowiada na wszystkie pytania, tłumaczy wszystkie zagadnienia, sprawia, że skomplikowany proces organizowania kredytu jest przejrzysty i zrozumiały, i to wszystko w przyjaznej i ciepłej atmosferze.

Mateusz i Aleksandra Kocot
Engineer at Vosta LMG
December 2011
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Henk is a very result oriented and highly competent professional with passion to what he is doing. Henk is an excellent partner to work with, he ensures that he has a very good understanding of the customer’s requirements and keeps you constantly informed on the progress. I highly appreciate his expertise and outstanding customer service. His incredible sense of life and humor, energy and enthusiasm makes working with him very pleasant.

Svetlana Filonova
Marketing Manager
British American Tobacco
November 2011
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I was advised from my real-estate agent to use services of Expat Mortgages. At a first appointment we noticed how highly professional they are. Our adviser was Richardo Cruz Fortes and he clearly explained us all the benefits and pitfalls of every type of mortgage as well as all benefits specific to expats. We didn't really believe that we could get all the described benefits because all my dutch colleges were scaring me with all bad stories about mortgages. But in the end we actually got much more than that. We were surprised with the fact how easy it is to take a mortgage as an expat.
During mortgage process Richardo did everything in order to decrease payment for us at every step. I was also amazed how quick he was in response and how detailed were his answers to all my questions. For all my friends I will always advise to use Expat Mortgages.
Thank you very much for making our dream come true.

Ivan Shubin
Software engineer at Martkplaats.nl
November 2011
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I got to know Expat mortgages at one of those housing seminars they organize for expats. I have to say I was completely blown away by the kind of services for expats provided by them. For starters, they gave all the required information in English only and not Dunglish(no offence but sometimes things are lost in translation and when you are taking such a big decision you don't want to end up misinterpreting anything being said).

I signed my first contract on 19OCT and had 5 weeks away to arrange finances (NOV-23). We thought we could decide the transfer date after the 5 weeks had expired.
But Bart van Heijst was so quick with the whole process that I was able to do the transfer on 23-NOV itself !
They were available by phone and ready to help allay any apprehensions we might have had within each step in the process.

The paperwork I got from the bank as well as the notary was perfectly translated into English and sent to me along with the originals.

Expat mortgages comes highly recommended from me and my wife for anyone who is looking to finance a property in Netherlands.

I would like to thank Bart Van Heijst, Richardo Cruz and anyone else from the backoffice team who was involved in the successful purchase and financing of my new home.

Prithvi Mereddy
Oracle DBA
ABN AMRO N.V
November 2011
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Netherlands , a place where you expect delivery of your new car in 2-4 months , an appointment for mortgage in 5 weeks ( 3 weeks if you are lucky) I thought I was smart in already starting the mortgage process for the house 2 months before actually finalizing the house. Thought everything was on good track but last moment the bank came back with unique scenario of lower eligibility, a higher interest rate than being said before and I was in a fix with only 3 weeks to finalize the mortgage I was in real stress. Next morning one of my friend referred me to Expat Mortgages, the same day we exchanged mails and fixed appointment for next morning ( a miracle in Netherlands) . I met Chris next morning and by the end of the meeting I must say I was relieved, things happened in a very sequential manner and I got an attractive mortgage arranged without hiccups.

I must say for Expats it’s the best place to be with for Mortgage or any other services provided by them.

Rahul Chawla
Finance Specialist at Agilent Technologies Netherlands BV
November 2011
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Expat Mortgages was recommended to me by a colleague who had had a great experience with them. I got in touch with them right at the beginning of my quest for a suitable flat. Although I took quite a long time to look for a flat, Chris kept in touch with me all the while, apprising me of the latest developments in the Mortgage scenario. When I finally settled on one, Chris and his colleagues made the whole procedure quite smooth and advised me favorably in terms of conditions. I am glad I engaged the services of Expat Mortgages. Thanks a ton!

Arindam Ray Mukherjee
Senior IT Specialist
Dutchpal
November 2011
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A colleague of mine bought an apartment in Amsterdam last year and recommended Expat Mortgages to me. I can now second this, the whole process ran very smoothly and efficiently (much less stress than my previous experiences of buying property in the UK). Expat Mortgages also have great knowledge of the Dutch mortgage market and the latest regulations… I am extremely happy with my mortgage arrangements and the guidance given in the area too. So a big thank you to Chris and Ricardo!

David Pitts
Senior Oracle DBA
Blackboard International B.V.
November 2011
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I was completely impressed with the support provided by Expat Mortgages in general, and Chris specifically, during the mortgage process. Expat Mortgages navigated me through the Dutch Mortgage process in a very professional and effective manner. All documents provided clear information and were in an easy to understand format. All my questions were promptly answered, making the mortgage process much easier than I anticipated. I would highly recommend Expat Mortgages for a pain free mortgage process. A big thanks to Chris and the entire Expat Mortgage team.

Carl Allen
Executive Director Marketing Verizon Nederland BV
November 2011
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Having been used to renting before, the Dutch housing market posed major challenges to us. However, what felt like a lot of pain at the beginning felt like a truly pleasant procedure after we had got to know Expat Morgages through word-by-mouth recommendation. We were advised by Chris van Maasdijk who has been an extremely competent and gentle advisor - there was not much left to do for us. So, eventually, buying a house was quite simply a lot of fun, which, last but not least, came at no extra expenses whatsoever. Thanks a million!

Dr. Alexander Schoenhuth & family
Centrum Wiskunde & Informatica
Amsterdam
October 2011
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After living on rent for about a year, it was time to move on, take that big step and buy a house in the Netherlands. I had been hearing about my friend's experiences and knew that having nationality of a non-EU country would make things harder. After getting information from some banks and meetings with some mortgage consultants, I had started to feel desperate about that we would not be able to get the mortgage we need to buy our dream house and continue living on rent for another year. That was about the time one of my friends has told me about Expat Mortgages.

When I left the Expat Mortgages office after the first meeting with Chris, I knew that everything was going to be fine, because now I had the helping hand of an expert who is not only friendly but also feels confident in the job he is doing. He always had answers to a ton of questions I have and a big patience with going over things again and again, until I feel satisfied completely. Just one week after our first meeting, he came up with several tailor-made options that I can choose from and explained each one with charts, spreadsheets and forecasts, all in English. By having a broad knowledge of the Dutch market, he also helped us to choose the best alternative for our future plans. Once we decided on a plan, everything set up for us and the only thing we had to do was signing the papers.

From planning to finalization of legal matters, everything went as smooth as possible and
now sitting comfortably in our new house and writing these lines, we strongly recommend Expat Mortgages to anyone in need of a helping hand to get a mortgage in the Netherlands. I must say that they are one of the most professional and friendly group of people I have ever met, who are passionate about their business.

Thanks Chris, thanks Henk, thanks Richardo, thanks Expat Mortgages…

Kind Regards,
Selin and
Burc Sade
Developer at T-Mobile
October 2011
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We had decided to buy a house in The Hague before we had actually relocated to The Netherlands. After a brief search of the market we didn't feel comfortable to go alone with our lack of Dutch and limited knowledge of the market and procedures for buying a house here. We found Expat Mortgages through I am Expat and we met Henk in one of our pre-visits. After our first meeting we felt confident that we had a supporting partner and that our dream of buying a house could actually become a reality.

Expat Mortgages provided excellent service and ensured that the tight deadlines were met. The expenses were not more than going to the bank directly and Henk secured low interest rates for the type of mortgage we wanted. We managed to purchase the house in 8 weeks, which we felt was a real achievement. We surely recommend Henk and Expat Mortgages for their expertise and service and thank Henk for trying to make it as stress free as possible.

Adrian & Valia Kearney
Director AEM at International Baccalaureate
October 2011
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I was living as an expat in the Netherlands for 2 years when I made the decision to buy a house due to a change in my personal circumstances. I was renting a small appartment but soon required a larger appartment when my girlfriend expected our first child. I first looked into renting a larger appartment but this was not feasible. The waiting lists for affordable social renting housing was too long, and the costs for renting larger properties through private agencies almost criminal. But I was worried that buying a house would be a stressfull process in a new counrty.

A friend then recommended expat mortgages to me. First I was given a free consultation with one of the advisors who looked into different mortgage options for my personal situation. These options were summarized in a nice report including a monthly cost break down for each possible mortgage structure. The whole process was also laid out in simple terms and translated into English. This helped ease the stress of understanding a foreign system in a foreign language. This report provided me with the ideal platform to search for my ideal house.

I eventually found my ideal house and my offer was accepeted by the seller. The only condition was to secure the financing for the property. Immediatly expat mortgages sprung into action. Within 2 weeks I had recieved a formal mortgage offer with little hastle or stress because expat mortgages has done their homework and preparations directly after the first consultation.

The day finally arrived where I signed the final contract and recieved the keys to my new home, with expat mortgages present by my side. As part of the service, expat mortgages provided a translator for me who could translate the proceedings during the transaction. I would recommend expat mortgages for any expat who want to buy a property in The Netherlands. The service from start to finish is outstanding and really eases the stress. Even after the deal is done, I have found that expat mortgages is ready to answer any new questions as if I were a new client.

Graham Ormsby
Project Leader at Avantium Chemicals B.V.
Haarlem
October 2011
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Dear All,

I have been advised to use the Expat Mortgages after I’ve experienced that not all advisors had a good understanding of expat rules when applying for the mortgage loan. I couldn’t be more satisfied with the service that I received. My advisor was Richardo Cruz Fortes and he was highly professional, quick (!!!) and made the process painless. Within 2 weeks from my first visit the mortgage was finalized. Great advice, nice atmosphere and it turns out it wasn’t that complicated as I expected. I would recommend Expat Mortgages to anyone as reliable, competent and friendly specialists. It is amazing to deal with people who actually enjoy their work and are good at it. Thanks again Richardo for making my life better!!!

Agnieszka Dabska
Finance Manager
Slando Ltd.
Amsterdam, October 2011
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Because we don’t speak Dutch and we are not familiar with the Dutch system and had the idea of buying an apartment in Amsterdam, a colleague of mine recommended us Expat-Mortgages and more specifically Chris. I can’t tell you enough how much he helped us, how much patience Chris has explaining 500 times the same thing if necessary and dealing with all the problems that can suddenly pop up. A happy customer is the best advertising a company can get, I would really recommend this company because they look at you as their special / only customer! Thanksssss for being there, for being so patient and so helpful and thanks to them we are now happy owners!


Laura Dimaiuta and Wilfried Walczak

SDL Tridion and Staples

Amsterdam
September 2011
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For bigger investments it is always advisable to work with professionals. Being expats in Netherlands and looking for a new house, we naturally contacted Expat Mortgages. Chris promptly reacted to our original mail inquiry, and soon we were sitting face to face with him, Chris - a friendly but especially highly competent professional in mortgage business. At the beginning he provided a detailed explanation of mortgage possibilities in the Netherlands, and after a following discussion about our interests, Chris prepared several tailor-made alternatives which correctly reflected all the discussed options. With some operative and very effective fine-tuning we reached the final deal in just a few weeks time.
Living now in a new house for more than two years we can only confirm that all advices and market estimations provided by Chris proved right - and we are only happy that some two years ago we opted to work with him and Expat Mortgages.
Need to add that Chris provided a complete and extremely friendly assistance and service from the first discussion till complete finalization of all legal processes related to the house purchase. So we can only recommend Chris and Expat Mortgages to anyone interested in buying a house in the Netherlands, to anyone who looks for friendly and highly professional assistance.

Jan and Helena Malik
EPO
The Hague
September 2011

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thank you...thank you.....thank you...thank you.....thank you...thank you.....
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thank you...thank you.....thank you...thank you.....thank you...thank you.....
thank you...thank you.....thank you...thank you.....thank you...thank you.....
thank you...thank you.....thank you...thank you.....thank you...thank you.....

Kind Regards
Antonella

Antonella Di Candia
Prelios Netherlands B.V.
Treasury Department
September 2011
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A friend of mine recommended Henk, because he got his mortgage with the help of Henk. Henk explained all my options and listened to all my wishes. He was able to offer the mortgage that I needed and wanted. I had not any problems with paperwork; his team translated and explained everything in the best way. Henk even did much more beyond his duties; he helped me with some personal matter which had been required for the mortgage. That is what I call client oriented! He works with a passion and he knows all information around mortgages.

Igor Paniushkin
Senior Developer
SDL Tridion
September 2011
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About the mortgage adviser, his name is Henk Jansen from Expat Mortgages in Amsterdam
He has knowledge & experience of mortgage possibilities for different cases.
He is very professional & will always work in your interests as has been my personal experience & also lot of my other friends in Jacobs have got mortgages approved through him.
In my case he got the approval in record time of 24 hrs once I submitted him all the documents.

You can ask him as many questions as you want, clear all your doubts including about Dutch Banking Mortgage System & available different options. You can also get documents in English & translator during your transfer of house/apartment ownership at the Notary. He will also recommend you the best Notary within reasonable price depending on your area of interest.

Virenchee Palande
Jacobs Nederland BV
I&C Engineer|E&I Dept.
September 2011
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This is a sincere thank note to Chris and rest of the team for the excellent service that we received.
From our point of view buying a house has always been an exciting event and Expat Mortgages enabled us to enjoy it. They assisted us throughout the whole process and their approach was really professional. Chris, who is one of the friendliest Dutchmen we have ever met, has a great ability to explain all aspects of mortgages. On top of that he has a great personality that helps you to feel comfortable almost in your own country.
To cut the long story short, Expat Mortgages provides clients with a complete service therefore we strongly recommend them to any expat who has an interest in buying a house. You will be pleased.

Regards

Tayfun and Bilge Biyikoglu
Credit Europe Bank
September 2011
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We would like to thank Chris and the rest of the expat mortgages team for a great,
fast, friendly and reliable service that made the not so easy experience of taking out our first mortgage
much easier and less stressful.

thanks again guys, you're the best!!!
cheers,

Omry Rom and Keren
Wok to walk B.V.
September 2011
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Dear all from Expat Mortgages,

Thanks for your help with my house purchase. Send my appreciation to your excellent service. And wish all the best to you guys and girl..

Liz Wang
Regional Manager
Hikvision Europe BV
July 211
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Henk helped me in choosing the best mortgage according to my personal situation, in applying the mortgage from the bank and in related service like notary, tax agent, etc when buying a real estate. Besides the standard service he provided me as a mortgage agent, he always came to my office to have the meeting and all the communication was in English, which is definitely a big advantage for expats like me! 


Yao Yu
Specialist SLT Program
Adidas
July 2011

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Out of pure luck I got to work with Bart and the rest of the team of
Expat Mortgages for my apartment. Bart was very helpfull and prompt to
answer any questions
During the whole process, Bart was explaining in
detail every option there was for me. He even offered a few tips for
the buy, but don't tell the seller :p

In short, the experience for me as an expat, buying an apartment in a
foreign country, was made very easy going and hassle free. My thanks to
everyone at Expat Mortgages and to Bart in particular for his
excellent work!

Panos Psychogios
Verizon Business
July 2011

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There is no way we would have been able to pull off the impossible feat of buying a property in The Netherlands in such a short time frame before actually living there, without the advice and expertise from Chris and his team at Expat Mortgages. The contact with Expat Mortgages has been incredibly professional, knowledgeable and speedy. As an ex-pat, I would not consider buying any house in The Netherlands without them. Expat Mortgages comes with our highest recommendations, you will not be disappointed.

Paul Turner
Vice President
LyondellBasell
July 4th, 2011
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The service that I received from Bart and Expat mortgages was exceptional (detailed and thorough) and extremely professional. As an Expat living in Amsterdam and buying a property for the first time in a foreign country, the quality of service, advice and explanation that Bart provided me was invaluable. I would highly recommend the services of Bart and Expat Mortgages to any Expat looking to purchase a property within The Netherlands.

Ian Catt
Philips Medical Systems
June 29, 2011

 

Ian hired Bart as a Financial Advisor in 2010
Top qualities: Great Results, Good Value, High Integrity

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Dear Richardo and Chris,

We are happy to find out that everything went well.

I must thank you (all your team members actually) for your effort to arrange this mortgage for us.
Without your help would have been a nightmare to sort out all the paperwork and to deal with the actual bureaucracy.

We look forward to meeting you for signing the transfer deed.

On behalf of whole my family many thanks again.
Kind regards,

Sener and Dana Cristea
June 2011
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Words are not enough to thank Expat-Mortgages for their professional assistance through the mortgage process.
Bart van Heijst guided me through all the in's and out's of the " hypotheek" application labyrinth, always in a clear and easy way to understand.

In general, Bart was in every moment at the top of his game, coordinating the process with the banks with the notary, with the makelaar and with me. The Expat-Mortgages team helped me to have a fast and smooth process, so getting the mortgage was painless. If you are looking for a professional mortgage service, Expat Mortgages is the way to go.... highly recommended!

Jose R. Flores
Senior researcher
Tata Steel R&D - NL
June 2011
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Hi Henk and Hi Richardo,

I just wanted to thank you again for everything you have done.

I am glad that I worked with you on this process and also told Ayse that I am thankful to her for recommending you to me

Thanks a million!

All the best
Begum

Begum Cetiner
Senior Financial Accountant
Production Finance Amsterdam
June 2011

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I have only good things to say about my experience of using Expat Mortgages.

Chris van Maasdijk was great at walking me through all of my mortgage options and gave me some great advice on house purchasing here in the Netherlands.

I didn't end up getting a Makelaar so was responsible for all of the coordination. The team at Expat Mortgages did however step in and really helped me out providing contacts for other services (valuation, Notary, tax rebate etc) that all helped smooth out the process.

Getting the mortgage was painless and we managed to go from offer to exchange in just 5 weeks, mainly thanks to the efficiency and professionalism of Chris and the team.

The costs were no more than going with a bank direct (I did check) and I got a whole lot more service!

I have already recommended them to other friends who have all had equally good experiences.

N. Senaratne
Tommy Hilfiger
May 2011

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My wife and I decided to work with Chris at Expat Mortgages because of his thorough understanding of the Dutch home financing process and his ability to clearly explain it to us. He spent as much time with us as we wanted while we examined other mortgage brokers and gave us valuable insight into different financing options. After we selected Expat Mortgages, Chris continued his excellent service to us throughout the entire process. We particularly found value in his explanation and clear documentation of how our payments would be calcuated over the duration of our mortgage and how our expatriat status would factor into that.

I am happy to be among the satisfied clients of Expat Mortgages and recommend their services to others buying residential property in the Netherlands.

Stephen Fremder
AkzoNobel Global Human Resources
April 2011

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Hello everybody at Expat Mortgages,

Thank you very much!
Words are not enough to express our heartfelt gratitude to all of you.
Keep up the good work!

Regards,
Family Cuizon
May 2011

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"I just need to say that Henk Jansen is one of the best advisers that I met during my search for mortgage to buy my actual house. I decided to arrange my mortgage with his company Expat Mortgages. My wife and me have the same opinion that Henk is a very enthusiastic person , always willing to listen to our situation each time we met him and willing to explain the meaning of different financial possibilities and type of mortgages. I am confident that the mortgage his company arranged for us is the best available at this time and meets our needs. Also it is necessary to say that the Expat Mortgage staff is really helpful and always respond quickly.

I am really thankful to Henk Jansen for helps us in this stressful process to buy our house and for arranging our mortgage in very professional and dynamic way. If I had the need to arrange a mortgage for another house for my family, I would choose again to work with these kind of professional people."

Larry Chacon
PanTerra Leiderdorp
Production Chemist III
April 2011
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Henk did a great job for us by helping to arrange our mortgage for the apartment. He has provided us with a real professional services with a excellent explanations about the mortgage market. We have feel ourselves very secured and are happy that we have worked with him.

Хенк зарекомендував себе як профессіонал який добре знає свою роботy. Професіоналізм, постійна підтримка, надійність і точність - це ті риси, які ми б хотіли відмітити. Ми раді що співпрацювали з Хенком і думаємо що будемо співпрацювати з ним і надалі."

Rostyslav and Tetiana Yosypenko
Jacobs Nederland BV
March 2011

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"Thank you Bart for all your assistance and advice from recommending a real estate agent to making it possible for me to get a mortgage. I couldn't have bought a house without your help and the help of your colleagues at Expat Mortgages. I have a lot of respect to your ability and professionalism and I will have no hesitation in recommending the services of Expat Mortgages to other people when an opportunity arises."

Alesya Sheremet

KPN
March 2011

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Henk is very personable and takes time to listen, understand and provide excellent, knowledgeable and detailed results. I will definitely use his services again and highly recommend him. For Ex-pats in Amsterdam looking to buy a house, Henk should be your first stop.

Andrew Muggleton
www.andrewmuggleton.com
March 2011

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Dear Henk,


Many thanks to you and your team for helping us buying our house.
You made the process really easy for us and gave us many good advice and practical help.
Hopefully we see you somewhere soon on our roof terrace when we celebrate our house warming party. Let’s speak before!
Alles gute Beannacht (blessings)


Iris Simon
Sr.director Research & Development
Agendia BV
&

Eugene Moriarty

Int. Financial & treasury accountant
W.P. Carey & Co

March 2011
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"Henk did a great job helping us choose the right mortgage. He is extremely personable, and fantastic at explaining the complexities of getting a mortgage in the Netherlands. Extremely professional, I would strongly recommend Henk and his Expat Mortgages team for expats looking for advice in this field."

Craig Welsh
International Financial Planner
Spectrum IFA Group

February 2011
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'We found Chris and the team at Expat Mortgages to be a wonderfully professional and friendly team. Chris’ support from our initial contact through to the completion of the purchase documents was invaluable. He took the time to thoroughly explain the finance scenarios and purchase processes which were significantly different for us, and his staff assisted in the translation of all the documentation and in the arrangements of the taxation matters saving us significant time and money. Chris’ assistance made the daunting process of buying a property in a foreign country significantly easier to manage. He also came all the way to Arnhem to meet with us on several occasions. In short, without the help of Chris and the team from Expat Mortgages, we wouldn’t have “our home away from home. Thanks Chris!'

Scott Dickinson
Director of Strength and Conditioning
NOC*NSF
January 2011

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"I would recommend Henk to anyone who needs sound advice and professional service. He know's his field, and is willing to go the extra mile to ensure his clients receive the best possible deals. He and his team is highly responsive and timely! Thanks Henk - you deserve the praise!!"

Christo Greyling
Director HIV and Infectious Diseases at World Vision
January 2011
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We really appreciate the support and service we received from Expat Mortgages. Their services was responsible, transparent and professional. Within two months from our first appointment, we had our mortgage approved. This type of the service is what we have been looking for and expect.

Bart was very supportive in every step on the way, and proved to be an excellent mortgage advisor. During the process Bart answered all of our questions, of which they were quite a lot, with patience and discussed all aspects of the process in a way that all the risks associated with our decisions were covered.

We would highly recommend Bart as hypotheker we would be glad to recommend your services to anyone looking to buy property in the Netherlands.

Konstantinos Aloimonakis and Dafni Lionaki
Det Norske Veritas BV
January 2011


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Dear Henk,

We would like to express our sincere gratitude to you and your team members for the excellent service, support and assistance during this difficult process. It is our luck and pleasure to work with you. We will always remember your efforts and positive approach. We will definitely refer those seeking professional yet personal service of expertise that creates a comfort in a way full of variables and unfamiliar concepts.

Also thank you for your nice gift. We will be happy to welcome you to toss the glasses in our new house warming party when we move to Amsterdam.

Kind regards,
Gozde & Murat Tursun

AK Bank
January 2011

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Foreign country, foreign language, foreign rules...buying a house in the Netherlands was made stress free by Chris and his team at Expat Mortgages. I was apprehensive of getting into all the paperwork of a mortgage in a foreign country and all the rules involved. Chris made it simple, everything was explained carefully and clearly with all the documentation translated into English. He took the time to answer all our questions, and even meeting us at work late in the evening to accommodate our schedule. Both my wife and I were very happy with the professionalism in the service provided, and the personal touch that made the whole process run smoothly. We are happy with the deal we got and the extra money we saved. We have a house in the Netherlands!!! I have already recommended Expat Mortgages (and especially Chris) to other expat friends, and I encourage anyone reading this to meet with Expat mortgages if you're interested in buying a house in the Netherlands.

Thank you Chris and Expat Mortgages for all your patience and hard work

Bhrijesh Patel & Lorena Jauregui
Mattel Europa BV
December 2010

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Bart has helped us intensively with our house mortgage. His personalized approach and expertise with professionalism is highly appreciated. All the house documents were translated in English or explained to us separately. Support continued even after mortgage process was over. I would highly recommend Bart as hypotheker and we are highly satisfied by the services Expat Mortgages provides.


Mayank Khare,
Accenture Technology Solutions

October 2010

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I have always been concerned of all complicated "paper work". When you're abroad, and don't know the rules, sometimes not even the language, concern becomes scare. This could be one of the reasons I was procrastinating to buy a place. A friend of mine recommended me to contact Expat Mortgages. When I met Henk, I felt it was all going to be fine. And indeed it was!! Now I am happy in my new place and can only encourage other people to contact him if in the same situation. Even back in my home country, I think I'd ask him to help me out as well!!

David Rodriguez Aguilera
TNO
October 2010


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Dear Henk,

Expat Mortgages are a great firm. Henk was really patient with us and understood our anxieties as we were first time buyers and didn't know what property we could afford. We asked a million and one questions and Henk answered all of them no problem. Richardo also was really pateint and both of them came out to visit us both at work and at home.

We have recommended them to all our friends in The Netherlands.

Once again thank you Expat Mortgages for having so much patients and for all your help.

Marcele Gowie (TomTom) and Steven Bramble (Nike)
October 2010


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I was recommended to Henk by a colleague of mine who used Henk for his mortgage. Upon the first meeting, I knew that Henk was very knowledgable of my needs and how to translate them into a mortgage that suits me. He is an expert in what he does and that shows in his work.
Henk has a keen eye on what is possible and what is not possible. Even when the bank started to question the seller, Henk immediately reaffirmed that everything would work out. Since he was not stressed, I was not stressed. He proactively applied for another loan while continuing to negotiate with the original bank.
In the end, Henk made the first loan happen. I don't know how, although I suspect it is due to his strong relationships he has forged with the parties with whom he works.
I highly recommend Henk to anyone looking into buying a property in the NL. In fact, I find myself always recommending him to everyone I meet!
I am extremely satisified with his services, communication, follow-through, trustworthiness and great work.

I can be reached in case anyone has any questions.
Best,

Scott Sentianin
Sales Manager
SOLE Technology
October 2010


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Henk and his team has provided excellent financial advise despite a very tight time-schedule. He is an absolute expert in his field and one feels comfortable with his suggestions right from the start. What he and his team promised came true or even better. I can recommend Henk's services to everyone that looks for personalized consulting, tailord to ones individual needs on and after the transaction. Thank you Henk, we would have not made it in time without your help


Patrik Birkhofer
Director Purchasing
Travel Plaza Europe BV
October 2010

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Henk was very honest, open and extremely helpful with setting up our mortgage here in the Netherlands. His knowledge was very deep and recommedations and insights extremely useful. I would happily recommend his services


Hedley Barnes
Vice President Sales
Upper Deck International
October 2010


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Henk is a seasoned professional who has a good understanding of the needs of his expat customers. He was courteous in his manner yet managed to be clear in his recommendations and in the end delivered a thoroughly professional service."

Willem Malherbe
Head of Wholsale at Vodafone.
October 2010


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Dear All!

We would like say to all of you THANK YOU VERRY MUCH! for all what you did for us.
We can not imagine how we could arrange all this stuff without your help. But thanks to you it was a piece of cake!
Finally we moved to our new house, and consumed your gift and we are really happy.


Do tych którzy chcieli by wziąć kredyt w Holandii możemy tylko powiedzieć, że:
Serdecznie polecamy firmę EXPAT MORTGAGES. Pomogli nam załatwić wszystkie formalności, dokładnie wszystko wytłumaczyć i podjąc właściwą decyzję.
Jak ktoś by się wahał, to śmiało można poprosić któregoś z pracowników Expat Mortgages o nasz numer telefonu i e-mail adres. Z przyjemnością podzielimy się z Wami naszymi doświadczeniami.

Best regards to all of you!
Grzegorz Pilat and Aleksandra Bury
Denta Engineering BV

October 2010


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Buying a house is a challenging enough process, but to do so in another country, during the current crisis, is still more daunting. I came to Expat Mortgages through several word of mouth of recommendations, and from my very
first meeting with Chris, it was clear that he was a true professional. He immediately worked out my personal priorities, and, since the Dutch personal finance market is much more sophisticated than that to which I'd been
accustomed in the UK, talked me through the various ways of constructing a mortgage. After that, he made the application on my behalf, and then the other members of his team handled the other parties: valuers, notaries, etc.


All in all, this was the least stressful and smoothest house purchase I have ever experienced; and this is entirely because of the consummate professionalism of Chris and his colleagues. Any foreigner looking for major financial services in NL should look no further than Expat Mortages.

Professor D.A Pascoe
Universiteit Utrecht
September 2010

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After three years living in the Netherlands I decided it was the right time to buy my first property. After visiting several houses for months I found a house that fully met my requirements, after negotiations I had a deal on my hand.
I thought that in the same manner how I found my house I would be able to find a mortgage, but it is not as straight forward as it seems, it should not be underestimated the time and effort that buying a house takes.
I wanted help and contacted several mortgage advisors, Expat Mortgages stood up from the rest. From the first call I noted the professionalism and personal attention they provided. Expat Mortgages understands well the situation and the needs of a full time working expat in the Netherlands; moreover they are flexible enough to make sure the whole process goes smoothly without sacrificing valuable time without loosing sight of the timeline and objectives.

Expat Mortgages provided all information needed to make a good decision, on top of that they want to understand the reason behind my decisions in order to give me there best un-biased advice and products the market can offer.
The service was non-stop and an answer to all my questions came as quickly as I asked the question.
I fully recommend Expat Mortgages when buying a house, their experience, help and their work shouldn’t be underestimated.
Thanks for all your help,

Regards from happy house owner,

Bratislav Zivadinovic
Douwe Egberts Nederland

July 2010

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"In this turbulent time Bart helped me arranging mortgage and did it on a tight schedule. He accompanied me all the way from the very beginning, when I didn't even know what kind of house I want and can afford to buy, to when the keys were finally in my pocket. Thanks to Bart's great advice, tailored to my personal situation, we chose the best type of mortgage and managed to get the positive decision from a bank in just 2 weeks. Impressive."

Alexander Kristenko
Optiver Holding

July 2010

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‘Bart was very thorough in explaining all aspects of the mortgage process and helped us make good decisions. We are now completely set up and secure in our first home in Amsterdam. Bart and the entire team from Expat Mortgages were extremely helpful and accessible at all times. As stressful as moving can be, Expat Mortgages made it seem easy; definitely something we would recommend!

Lindsay Ozero and Ken Grundon
Hardrock Café Amsterdam

July 2010

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Dear Chris,

Thank you so much for all your help, you have been amazing and we could not have done it without you.

With regards,

Hilary and Richard Scott
ICap Energy AS

July 2010


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"Being foreigners in the Netherlands, not understanding the Dutch language and not familiar at all with the mortgage system, buying an apartment can be qualified as your ultimate nightmare. Yet, Expat Mortgages made our nightmare a dream; advised by a friend (Jaap), we got in touch with Chris van Maasdijk and his team, first thing that comes in mind is: "Oh well, they're gonna tell about what are the offers and then you choose and that's it". Well... not really, Chris goes meticulously on each step to first getting to know you and what you want exactly, then explaining in a diagrammed fashion all the types of available mortgages and what suits you the best. Also not to mention all the patience in re-explaining the whole thing and getting documentation available to you in English. We didn't have to worry at all about the contact with the bank and all its meanders and its complicated language...
Thank you Chris and the whole team.
Go Oranje!!

Etant étrangers aux Pays Bas, ne comprenant rien ni au néerlandais ni au système d’emprunt-logement, ma femme et moi nous voyons trés mal devenir propriétaires et sortir de l'enfer immobilier à Amsterdam. Via un ami (Jaap), nous avons pu contacter Chris van Maasdijk et ses collegues à Expat Mortgages qui nous ont guidé tout au long du process. cela a commencé par une première rencontre ou Chris tenait à mieux nous connaitre et nos besoins, puis une explication muticuleuse et claire des differents modèles d'emprunts existant et ce qui nous convient le mieux en matieres de taxes et remboursement. Je dois dire que quand on suit Chris dans ses explications on se sent un peu idiot puisque c'est si simple, il faudra juste avoir la bonne presentation. A ne pas oublier non plus, nous avons reçu toute documentation en anglais ainsi que toute la paperasse expliqué en détails.
Merci Chris, Merci toute l'équipe!!
Hup Hup Holland!!!!

Hassan Mahtat

Afflatoun Child Social and Financial Education

&

Nafila Maani

Child Helpline International

June 2010

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Dear Henk and Sandra,

I would like to express my gratitude for both your and Henk’s sincere helps, professional approach and friendship.
It has been an utmost pleasure to work with you .

Nedim Sabah
Anadolu Bank
May 2010

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I would like to recommend Expat Mortgages
This is a absolute solution for foreigner who is looking for sweet home in the Netherlands.
It took some time for me to finalize moving-in great house which is I'm living now though
It has been perfectly completed.
Thanks to Bart, for his constant and dedicated support.
The more people we have like Bart, The smaller earth comes..
Even though now I'm so busy for the initial things in Holland during working day, in the weekend
I'm seeing Heaven every day.
I really hope things will work out well for Bart and all of Expat mortgages.
Expat Mortgages must be prosperous every moment...
once again,
Danke, Thank you so much. Gracias, Obrigado, Sie-sie, Bedankt, Merci,

J.S. Chang
Pantos Logistics Benelux
April 2010

 

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We really appreciate the support and service we received from Expat Mortgages. Their effort was genuine, complete and very very professional. We do not think owning a house would have been this convenient if it was not for Expat Mortgages. Henk is a great professional and a true expert in the field. He knows ins and outs of mortgage options. He was always there with his cordial smile throughout the process of buying our house. He came all the way to Eindhoven for meetings even with his hurting knee. I do not remember a single occasion when I had to wait more than a day for a response from him. All we did is to drop him an email and he provided us with all his support, even afterwards. And the most amazing thing is that their help goes beyond arranging the mortgage for you, they help with translation, finding the key people in other related field, commenting on your property and price, arranging tax rebate. As we mentioned before, it was COMPLETE PROFESSIONAL SUPPORT.

Heartfelt THANKS to you guys.

Fariya Sharmeen
Abu Toasin Md Oakil
Eindhoven, Netherlands

March 2010

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It's not so irrelevant to other testimonials that I’d read since we had the same outcome of
appreciation to Expat Mortgage service. But I have to grab my chance to thank these guys
working in Expat-Mortgages especially Henk Jansen who plays a major rule for me in buying a
house in Netherlands. I’ve been in two different hypotheek advisers before i’ve known Henk. Both
of them are coming from well known bank here in Holland, however, i’m hopeless for the way
they responded and therefore conclude myself that it’s impossible to get a mortgage house here
in holland if you are an expat because they treat you not the same way that they treated their
local clients. Furthermore, they are not really prepared to do business with you. Time wasted for
me however, all the said story above were delighted when i meet Henk, (a compliment also to my
colleague Edgar who was the one introducing me to Henk Jansen) for me he made my
impossible to possible. I can say to myself that “HE'S THE RIGHT MAN”. And i’m not wrong
because for now i’m enjoying already my house in Holland. Henk’s determination and expertise to
do his job makes an outstanding performance to serve his clients well even to depend
undesirable encounter for the welfare of his client.
Many thanks to EXPAT-MORTGAGE in Netherlands, highly recommended.

Victor Patatag
Instrumentation & Control Engineer
Jacobs Nederland B.V.
March 2010
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I would like to thank the ‘Expat Mortgages’ for the great services that they provided. It was truly an impressive job.
Henk was very supportive in every step on the way. It really shows how knowledgeable and experience this people are, the way they work and taking care of the things the way they should be. The Information, documentations and procedure was well delivered. And of course, a way beyond expected positive results.

I strongly recommend the Expat Mortgages for your mortgage adviser.

As mentioned, It is really beyond my expectations the services they offered!
Keep up the good work and thank you very much.

Edgar Delfin
Jacobs Engineering Netherlands B.V.
March 2010
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" As an expat who really wanted to put down roots in Holland, I needed a company that could steer me through the jungle that is the Dutch mortage/tax/legal system. Expat mortagegs were there every step of the way from start to finish, with sound advice and a reassuring smile. They have my highest recommendation."

Dominic Seldis

Koninklijk Concertgebouworkest

March 2010

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"El servicio altamente profesional prestado por Henk fue fundamental para la adquisición de mi vivienda. El trato personal y su extenso conocimiento del sector fueron parte decisiva en todo el proceso. Muy recomendable."

Luciano Kohan
March 2010

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"Henk and his team (Bart and Sandra) were outstanding in the service they provide me. They were responsible to find a solution to buy my first house in Netherlands. I'm Brazilian and I was finding several problems to get a mortgage since I am not an EU citizen. Henk and his team, were very transparent and clear in all points I can say that less than 2 months after my first contact with Expat Mortgage I had my mortgage approved.
I highly recommend Henk and his team and hope to have the chance to hire their services again in the future."

Ezio Morresi 

March 2010

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"Henk did outstanding job in helping us purchase our first home.
During the process Henk answered on all of our questions directly while making sure that we understand the answers as well as all the risks associated with our decisions. He was really patient and supportive throughout the whole process.
Thanks for making purchasing our house fun and memorable experience."

Maja Vucinic
March 2010
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I would absolutely recommend Expat  Mortgages to anyone who is looking for a mortgage and is not familiar with the dutch house

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