The expat mortgage specialists

Independent mortgage advice, built specifically for expats in the Netherlands

We're not a bank, and we're not generalists. We're mortgage specialists for expats and internationals. Book a free 90-minute session and actually understand how the Dutch system works before you commit to anything.

Book your free 90-minute session

No obligation. Just clarity, not a sales pitch.

Or first calculate how much you can borrow →

Trusted by 1000+ expats in the Netherlands

Navigating the market with clarity

We understand the hurdles expats face buying a home in a foreign country. Here's exactly how we solve them.

Book your free mortgage session

Market speed? Win the bid, fast

The Dutch housing market moves fast. We partner with buying agents to find properties before they hit Funda, giving you the edge needed to secure your home.

Complex rules? (Leveraging the 30% ruling)

Traditional banks often struggle with expat contracts. We simplify the 30% ruling and link it directly to your borrowing capacity.

Hidden costs? Full transparency

Fair pricing. We work with transparent, fixed fees and zero hidden commissions. You'll know exactly what you pay from day one.

Free & no obligation

1.5 hours. Total clarity. Zero obligation.

Most advisors hand you a quote in 15 minutes and call it advice. We spend 90 minutes walking you through exactly how the Dutch mortgage system works: your affordability, the 30% ruling, and every lender option, so you understand your choices before you commit to anything.

We map your exact affordability, including your 30% ruling, in plain English.
We compare 40+ lenders live, so you see the real market.
You leave understanding every step of the process, not just a quote.
No obligation. No pressure. No Dutch required.

Book your free 90-minute session

Popular mortgage scenarios

A mortgage based on your specific situation

Every expat journey is different. Select your current scenario to see exactly how we structure your financing and bypass common roadblocks.

No permanent contract?

Don't let a temporary contract hold you back. We work with lenders who accept intent declarations and fully understand High Tech expat profiles.

Existing vs. New Build

Whether you are bidding on a pre-owned home or a new development, we align your financing with the strict rules of Dutch construction deposits (bouwdepot).

Renovating your home

Want to improve energy efficiency or expand? Learn how to incorporate a building depot into your mortgage to fund your remodeling project.

Buying your next home

Moving to a new home in the Netherlands? We calculate your transition, secure bridging loans, and check if you can carry over your current favorable interest rate.

Buy-to-let investments

Looking to invest? We navigate the specific lending requirements and the current 10.4% transfer tax for investment properties to secure your ROI.

Releasing home equity

Tap into the increased value of your property to fund renovations, buy a second home, or optimize your Box 3 wealth strategy.

Renting out your house

Standard Dutch mortgages prohibit renting out your home. We help you legally transition to a rental mortgage if you leave the Netherlands temporarily

Separation & divorce

Clear, data-driven financial guidance on buying out a partner, dividing assets, and restructuring your mortgage during a separation.

Event of death

If you now consider what happens after your death, you prevent your family from being left behind with major financial worries.

What we do

Mortgage advice at the core, with insurance and financial planning alongside

40+ Lenders, 1 best deal.

Mortgages

We offer a 100% independent model comparing over 40 lenders. No bias, just data-driven advice to find the lowest interest rates and best conditions tailored to your expat profile.

See how it works

Expat-proof protection.

Insurances

From mandatory residential premises insurance to liability and legal cover. We translate complex Dutch policies into a clear safety net for your home and family, most often arranged right alongside your mortgage.

See how it works

Box 3 & wealth strategy.

Personal finance

Exclusive for our mortgage clients. We provide long-term financial planning to help you navigate the Dutch wealth tax system (Box 3) and secure your assets for the future.

See how it works

Testimonials

Trusted by 1000+ expats in the Netherlands

“Honestly, I couldn't be happier with the help I got from Joost and the team. Housing stuff can be pretty stressful, but they made the whole process super smooth from start to finish. Everything was streamlined and easy to follow. Highly recommend if you want to get things done without the headache!”

Vigneshwar

“As an expat, I had a very positive experience with the Personce team. They supported me throughout the mortgage process and the transfer of my house with clear explanations and regular updates, which made things smooth and stress-free. In my case, the time available was quite short, but they still managed to pull everything together on time. I really appreciated their effort and support, Highly Recommended!”

Dareer

“Highly recommend Personce for any financial advising. The staff is super nice and available for any questions or doubts (you need someone to hold your hand when making big decisions🥹). Working with them made everything go smoothly and MUCH faster than I expected. I was surprised how accurate their predictions were and how it materialised in a matter of 1 week.⭐️ ⭐️ ⭐️⭐️ ⭐️”

Sara

Full market coverage: we have partnerships and access to the whole market.

Unlike a traditional bank, we are not limited to our own products. We provide a 100% independent comparison of the entire Dutch financial market to secure the best rates and specialized expat conditions for you.

We would love to meet you

Meet your local experts

With over 25 years of combined experience, Joost Broné and Laurens Meerhoff specialize in translating Dutch financial complexity into clear, actionable strategies for expats. Based in Eindhoven, our mission is simple: providing expats across the Netherlands with transparent, independent advice to secure their financial future.

Meet Personce

Have any questions?

Ready to secure your home as an expat in the Netherlands?

Book your free 90-minute consultation and leave knowing exactly how the process works. Most advisors won't take the time to do that.

Book your free 90-minute consultation

Independent mortgage advice, built specifically for expats in the Netherlands

Rated 5.0/5.0 on Google

Personce, the mortgage specialist expats actually understand

1.5 hours. Total clarity. Zero obligation.

A mortgage based on your specific situation

Mortgage advice at the core, with insurance and financial planning alongside

Full market coverage: we have partnerships and access to the whole market.

Meet your local experts

Ready to secure your home as an expat in the Netherlands?