Maximize your buying power in the Brainport area and the rest of the Netherlands.

Expert, independent mortgage advice tailored for international professionals. We provide total peace of mind and access to the entire market, comparing every available lender to secure the best possible terms and a seamless journey to your new home.

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1000+

Satisfied clients

5/5

★★★★★

Based on 104+ Google Reviews

Complete end to end guidance

Seamless access to the entire Dutch mortgage market

Expert, independent mortgage advice tailored for international professionals. We eliminate the complexity of tax and financial regulations, providing unrestricted access to the full market to secure your home and financial future with total tranquility. Total peace of mind, nationwide.

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Specialized solutions for your scenario

The items in this section cover our most frequent requests, but our expertise doesn't stop here. Whether you are navigating a divorce, holding a temporary contract, or looking to release home equity, we engineer custom mortgage strategies for every specific life event.

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1000+ happy customers in the Brainport region

First-time buyers

We maximize your financial advantage by leveraging the transfer tax exemption for buyers under 35, saving you 2% on properties up to €555,000 (2025/2026 standards).

Moving up (next home)

Transition smoothly between homes. We analyze the exact timeline of your move to decide whether you should buy first or sell first. We calculate if you can port your current favorable interest rate, use built-up home equity, and arrange bridging loans.

Renovate

Buying a fixer-upper or upgrading your energy label? We set up a building deposit (bouwdepot) within your mortgage, allowing you finance at low interest rates.

Buy-to-Let

Grow your portfolio. We secure specialized investment mortgages, factoring in rental yields and transfer tax changes to secure your ROI.

Demystifying Dutch mortgages

Navigating the Dutch mortgage system means understanding its unique tax incentives. To maximize your tax deductions (hypotheekrenteaftrek), it is crucial to select the right repayment structure. Here is a factual breakdown of the three primary options and how they impact your monthly cash flow.

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Annuity mortgage (annuïteitenhypotheek)

Fixed monthly payments. You pay more interest upfront and more principal later. Fully tax-deductible.

Linear Mortgage (Lineaire hypotheek)

Fixed principal repayment. Your monthly costs are highest at the start and decrease over time. Fully tax-deductible.

Interest-only (aflossingsvrij):

Lower monthly costs as you only pay interest, up to a maximum of 50% of the property value. Note: Interest is generally not tax-deductible.

The mortgage roadmap: engineered for speed

Orientation

We calculate your exact maximum budget and define a bidding strategy based on comparing 40+ lenders.

Pre-approval

We verify your expat documents and employment contracts to ensure swift bank approval the moment you bid.

The deal

Once your offer is accepted, we lock in the lowest interest rate and arrange mandatory appraisals.

Keys & protection

We verify all legal documents for a seamless notary transfer and set up your essential life and disability insurances.

Why we do it

The Brainport region competitive Edge

The Brainport region moves aggressively fast. With homes selling in an average of 32 days, standard bank procedures are simply too slow. We work with local appraisers, specialized expat-desks, and fast-track lenders to ensure your financing outpaces the competition.

50+

Years of experience

Navigate the market with ease

Why a mortgage calculation is only step one.

Knowing your exact budget is crucial, but the competition for homes up to €555,000 is fierce. Discover how combining our financial expertise with dedicated buying agent support gives you the ultimate advantage, including access to properties before they are listed on Funda.

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Full market coverage: we scan every financial partner

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.

Testimonials

Trusted by 1000+ international professionals in the Brainport region and the rest of 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

Any questions?

Have a specific question about your situation?

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Why Personce?

Independent expertise tailored for expats

Built on three core values:

Independent Advice: Comparing 40+ lenders with 100% transparency and fixed fees.
Client Focused: Proactive support designed to eliminate the stress of moving abroad.
Quality Driven: Certified specialists with 25+ years of local market experience.

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Have any questions?

Ready to secure your home in the Brainport region?

Get absolute clarity on your financial capacity and buying strategy today.

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