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6dow,0 0 #0000)}.focus\:ring-black:focus{--tw-ring-color:var(--black)}.focus\:ring-blue-500:focus{--tw-ring-opacity:1;--tw-ring-color:rgb(59 130 246/var(--tw-ring-opacity,1))}.focus\:ring-blue-700:focus{--tw-ring-opacity:1;--tw-ring-color:rgb(29 78 216/var(--tw-ring-opacity,1))}.focus\:ring-green:focus{--tw-ring-color:var(--green)}.focus\:ring-primary-500:focus{--tw-ring-opacity:1;--tw-ring-color:rgb(22 106 158/var(--tw-ring-opacity,1))}.focus\:ring-opacity-20:focus{--tw-ring-opacity:.2}.focus\:ring-offset-2:focus{--tw-ring-offset-width:2px}.disabled\:cursor-not-allowed:disabled{cursor:not-allowed}.disabled\:opacity-30:disabled{opacity:.3}.disabled\:opacity-50:disabled{opacity:.5}.prose-headings\:font-bold :is(:where(h1,h2,h3,h4,h5,h6,th):not(:where([class~=not-prose],[class~=not-prose] *))){font-weight:700}.prose-h2\:mb-4 :is(:where(h2):not(:where([class~=not-prose],[class~=not-prose] *))){margin-bottom:1rem}.prose-h2\:mt-8 :is(:where(h2):not(:where([class~=not-prose],[class~=not-prose] *))){margin-top:2rem}.prose-h2\:text-2xl :is(:where(h2):not(:where([class~=not-prose],[class~=not-prose] *))){font-size:1.5rem;line-height:2rem}.prose-h3\:mb-3 :is(:where(h3):not(:where([class~=not-prose],[class~=not-prose] *))){margin-bottom:.75rem}.prose-h3\:mt-6 :is(:where(h3):not(:where([class~=not-prose],[class~=not-prose] *))){margin-top:1.5rem}.prose-h3\:text-xl :is(:where(h3):not(:where([class~=not-prose],[class~=not-prose] *))){font-size:1.25rem;line-height:1.75rem}.prose-p\:my-0 :is(:where(p):not(:where([class~=not-prose],[class~=not-prose] *))){margin-bottom:0;margin-top:0}.prose-p\:mb-3 :is(:where(p):not(:where([class~=not-prose],[class~=not-prose] *))){margin-bottom:.75rem}.prose-p\:text-gray-700 :is(:where(p):not(:where([class~=not-prose],[class~=not-prose] *))){--tw-text-opacity:1;color:rgb(55 65 81/var(--tw-text-opacity,1))}.prose-a\:text-primary :is(:where(a):not(:where([class~=not-prose],[class~=not-prose] *))){--tw-text-opacity:1;color:rgb(28 132 198/var(--tw-text-opacity,1))}.prose-a\:no-underline :is(:where(a):not(:where([class~=not-prose],[class~=not-prose] *))){text-decoration-line:none}.hover\:prose-a\:underline :is(:where(a):not(:where([class~=not-prose],[class~=not-prose] *))):hover{text-decoration-line:underline}.prose-strong\:text-black :is(:where(strong):not(:where([class~=not-prose],[class~=not-prose] *))){color:var(--black)}.prose-ol\:my-0 :is(:where(ol):not(:where([class~=not-prose],[class~=not-prose] *))){margin-bottom:0;margin-top:0}.prose-ol\:mb-5 :is(:where(ol):not(:where([class~=not-prose],[class~=not-prose] *))){margin-bottom:1.25rem}.prose-ol\:list-inside :is(:where(ol):not(:where([class~=not-prose],[class~=not-prose] *))){list-style-position:inside}.prose-ol\:list-decimal :is(:where(ol):not(:where([class~=not-prose],[class~=not-prose] *))){list-style-type:decimal}.prose-ol\:space-y-1\.5 :is(:where(ol):not(:where([class~=not-prose],[class~=not-prose] *)))>:not([hidden])~:not([hidden]){--tw-space-y-reverse:0;margin-bottom:calc(.375rem*var(--tw-space-y-reverse));margin-top:calc(.375rem*(1 - var(--tw-space-y-reverse)))}.prose-ol\:pl-1 :is(:where(ol):not(:where([class~=not-prose],[class~=not-prose] *))){padding-left:.25rem}.prose-img\:rounded-lg :is(:where(img):not(:where([class~=not-prose],[class~=not-prose] *))){border-radius:.5rem}.prose-img\:shadow-lg :is(:where(img):not(:where([class~=not-prose],[class~=not-prose] *))){--tw-shadow:0 10px 15px -3px rgba(0,0,0,.1),0 4px 6px -4px rgba(0,0,0,.1);
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.5rem)}.md\:w-auto{width:auto}.md\:w-fit{width:-moz-fit-content;width:fit-content}.md\:w-full{width:100%}.md\:max-w-\[25rem\]{max-width:25rem}.md\:cursor-default{cursor:default}.md\:grid-cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}.md\:grid-cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.md\:flex-row{flex-direction:row}.md\:flex-wrap{flex-wrap:wrap}.md\:items-start{align-items:flex-start}.md\:items-end{align-items:flex-end}.md\:items-center{align-items:center}.md\:justify-start{justify-content:flex-start}.md\:justify-center{justify-content:center}.md\:gap-16{gap:4rem}.md\:gap-4{gap:1rem}.md\:gap-6{gap:1.5rem}.md\:gap-y-8{row-gap:2rem}.md\:border-b-0{border-bottom-width:0}.md\:p-10{padding:2.5rem}.md\:px-4{padding-left:1rem;padding-right:1rem}.md\:px-6{padding-left:1.5rem;padding-right:1.5rem}.md\:px-8{padding-left:2rem;padding-right:2rem}.md\:py-10{padding-bottom:2.5rem;padding-top:2.5rem}.md\:py-12{padding-bottom:3rem;padding-top:3rem}.md\:py-16{padding-bottom:4rem;padding-top:4rem}.md\:py-8{padding-bottom:2rem;padding-top:2rem}.md\:py-\[3\.75rem\]{padding-bottom:3.75rem;padding-top:3.75rem}.md\:pb-0{padding-bottom:0}.md\:pb-10{padding-bottom:2.5rem}.md\:pl-20{padding-left:5rem}.md\:pr-20{padding-right:5rem}.md\:pr-6{padding-right:1.5rem}.md\:pt-10{padding-top:2.5rem}.md\:pt-14{padding-top:3.5rem}.md\:text-left{text-align:left}.md\:text-4xl{font-size:2.25rem;line-height:2.5rem}.md\:text-\[1\.5rem\]{font-size:1.5rem}.md\:text-base{font-size:1rem;line-height:1.5rem}.md\:text-lg{font-size:1.125rem;line-height:1.75rem}.md\:text-xl{font-size:1.25rem;line-height:1.75rem}.md\:leading-\[1\.4\]{line-height:1.4}.md\:leading-\[1\.5\],.md\:leading-normal{line-height:1.5}}@media (min-width:1024px){.lg\:-bottom-16{bottom:-4rem}.lg\:-left-\[5\.5rem\]{left:-5.5rem}.lg\:-right-20{right:-5rem}.lg\:-top-20{top:-5rem}.lg\:left-1\/2{left:50%}.lg\:left-\[-5\.5rem\]{left:-5.5rem}.lg\:order-1{order:1}.lg\:order-2{order:2}.lg\:order-last{order:9999}.lg\:order-none{order:0}.lg\:col-span-3{grid-column:span 3/span 3}.lg\:col-start-1{grid-column-start:1}.lg\:col-start-2{grid-column-start:2}.lg\:row-start-1{grid-row-start:1}.lg\:row-start-2{grid-row-start:2}.lg\:row-start-auto{grid-row-start:auto}.lg\:mx-0{margin-left:0;margin-right:0}.lg\:mx-auto{margin-left:auto;margin-right:auto}.lg\:-ml-\[calc\(50vw-100\%-2\.5rem\)\]{margin-left:calc(-50vw + 100% + 2.5rem)}
6.lg\:-mr-\[calc\(50vw-100\%-2\.5rem\)\]{margin-right:calc(-50vw + 100% + 2.5rem)}.lg\:mb-0{margin-bottom:0}.lg\:mb-10{margin-bottom:2.5rem}.lg\:mb-12{margin-bottom:3rem}.lg\:mb-14{margin-bottom:3.5rem}.lg\:mb-16{margin-bottom:4rem}.lg\:mb-20{margin-bottom:5rem}.lg\:mb-6{margin-bottom:1.5rem}.lg\:mb-\[3\.75rem\]{margin-bottom:3.75rem}.lg\:mb-auto{margin-bottom:auto}.lg\:ml-0{margin-left:0}.lg\:ml-\[5\.5rem\]{margin-left:5.5rem}.lg\:ml-\[calc\(-50vw\+100\%\)\]{margin-left:calc(-50vw + 100%)}.lg\:ml-\[calc\(-50vw\+100\%\+2\.5rem\)\]{margin-left:calc(-50vw + 100% + 2.5rem)}.lg\:ml-auto{margin-left:auto}.lg\:mr-0{margin-right:0}.lg\:mr-\[calc\(-50vw\+100\%\)\]{margin-right:calc(-50vw + 100%)}.lg\:mr-\[calc\(-50vw\+77\%\)\]{margin-right:calc(-50vw + 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var(--tw-gradient-from-position);--tw-gradient-to:hsla(0,0%,100%,0) var(--tw-gradient-to-position);--tw-gradient-stops:var(--tw-gradient-from),var(--tw-gradient-to)}.lg\:from-50\%{--tw-gradient-from-position:50%}.lg\:to-beige{--tw-gradient-to:var(--beige) 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82<link rel="canonical" href="https://www.ohao.nl/expats/"></head><body><div id="__nuxt"><div><!--[--><div class="py-3 bg-beige-shadow" data-v-33f3a3af><div class="px-4 md:px-6 lg:px-8 mx-auto relative max-w-[84rem]" data-v-33f3a3af><div class="flex justify-between" data-v-33f3a3af><!----><div class="flex gap-6 hidden md:flex" data-v-33f3a3af><!--[--><!--]--></div><div class="flex gap-4" data-v-33f3a3af><a class="hidden lg:flex h-9 px-4 py-2 justify-center items-center gap-2 cursor-pointer font-bricolage text-xs xl:text-sm font-medium leading-normal rounded-[1.25rem] shadow-sm bg-green" href="/" data-v-33f3a3af><button data-v-33f3a3af>NL</button></a><a href="https://ohao.klantcloud.nl/login" target="_blank" class="hidden lg:flex gap-1 items-center font-bricolage text-base leading-normal" data-v-33f3a3af><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 25 25" class="h-4" data-v-33f3a3af><path d="M3.959 20.495c2.34-2.482 5.518-4.007 9.018-4.007 3.5 0 6.677 1.525 9.017 4.008M17.486 7.97a4.509 4.509 0 1 1-9.018 0 4.509 4.509 0 0 1 9.018 0Z" stroke="#021C22" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg> Login</a></div></div></div></div><header class="relative z-[4] py-6" data-v-33f3a3af><div class="px-4 md:px-6 lg:px-8 mx-auto relative max-w-[84rem]" data-v-33f3a3af><nav class="flex justify-between lg:justify-start items-center" aria-label="Global" data-v-33f3a3af><button type="button" class="block lg:hidden w-6 mr-auto" data-hs-collapse="#navbar-image-1" aria-controls="navbar-image-1" aria-label="Toggle navigation" data-v-33f3a3af><svg fill="none" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 24 18" data-v-33f3a3af><rect x=".5" y=".999" width="23" height="2" rx="1" fill="#021C22" stroke="#021C22"></rect><rect x=".5" y="7.999" width="23" height="2" rx="1" fill="#021C22" stroke="#021C22"></rect><rect x=".5" y="14.999" width="23" height="2" rx="1" fill="#021C22" stroke="#021C22"></rect></svg></button><div class="flex gap-4" data-v-33f3a3af><a class="block lg:hidden h-9 px-4 py-2 justify-center items-center gap-2 cursor-pointer font-bricolage text-xs font-medium leading-normal rounded-[1.25rem] shadow-sm bg-green" href="/" data-v-33f3a3af>NL</a><a aria-current="page" href="/expats/" class="router-link-active router-link-exact-active flex-none" data-v-33f3a3af><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 100 43" class="w-[4.625rem] lg:w-[6.25rem]" data-v-33f3a3af><path fill-rule="evenodd" clip-rule="evenodd" d="M20.19 4.017a2.87 2.87 0 0 0-2.838.2L5.009 12.465a2.87 2.87 0 0 0-1.275 2.386v21.505a2.87 2.87 0 0 0 2.87 2.87H100v3.733H6.603A6.603 6.603 0 0 1 0 36.356V14.851c0-2.206 1.1-4.265 2.935-5.49l12.342-8.248a6.603 6.603 0 0 1 6.53-.46l5.752 2.766 1.683.809-1.619 3.364-1.682-.809-5.751-2.766Z" fill="#021C22"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M76.018 23.184c0-7.669 3.887-12.483 9.937-12.483 6.05 0 10.003 4.814 10.003 12.483 0 7.668-3.92 12.271-10.003 12.271-6.082 0-9.937-4.74-9.937-12.271Zm13.825 0c0-5.294-1.342-7.392-3.888-7.392-2.545 0-3.854 2.098-3.854 7.392 0 5.294 1.309 7.189 3.854 7.189 2.546 0 3.888-2.066 3.888-7.19Zm-81.421 0c0-7.669 3.887-12.483 9.937-12.483 6.05 0 10.003 4.814 10.
82003 12.483 0 7.668-3.92 12.271-10.003 12.271s-9.937-4.74-9.937-12.271Zm13.824 0c0-5.294-1.341-7.392-3.887-7.392-2.545 0-3.854 2.098-3.854 7.392 0 5.294 1.309 7.189 3.854 7.189 2.546 0 3.887-2.066 3.887-7.19Zm50.513 2.083.236.936-.008.008 2.196 9.305h-6.498l-.846-4.223-.813-4.158c-1.404-.709-2.844-1.155-4.344-1.62l-.773-.24-1.315 6.01-.846 4.231h-6.083l2.676-11.297a34.827 34.827 0 0 0-4.725-.326c-.602 0-1.187.016-1.78.049v11.574h-6.124V24.887c-2.147.512-4.22 1.198-6.189 2.093v8.536h-6.156V10.71h6.156v11.154c1.992-.773 4.058-1.344 6.189-1.783v-9.37h6.123v8.344a32.572 32.572 0 0 1 1.781-.05c2.009 0 3.977.155 5.896.448l2.073-8.743h9.351l3.823 14.557Zm-6.974-3.79-1.564-6.635h-.008l-1.296 5.781c.328.1.664.19 1.002.28.634.17 1.272.34 1.867.573Z" fill="#021C22"></path></svg></a></div><div class="hidden lg:flex" data-v-33f3a3af><ul class="flex ml-10 gap-8" data-v-33f3a3af><!--[--><li class="font-bricolage text-sm xl:text-base leading-normal" data-v-33f3a3af><span class="flex items-center gap-2 cursor-pointer" data-v-33f3a3af>Mortgage <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 15 9" class="h-2 transition-transform" data-v-33f3a3af><path d="m1 1.474 6.012 6.012 6.011-6.012" stroke="#021C22" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></span></li><li class="font-bricolage text-sm xl:text-base leading-normal" data-v-33f3a3af><a href="/expats/mortgage-interest-rates/" class="" data-v-33f3a3af>Interest rates 2026</a></li><li class="font-bricolage text-sm xl:text-base leading-normal" data-v-33f3a3af><span class="flex items-center gap-2 cursor-pointer" data-v-33f3a3af>Calculate mortgage <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 15 9" class="h-2 transition-transform" data-v-33f3a3af><path d="m1 1.474 6.012 6.012 6.011-6.012" stroke="#021C22" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></span></li><li class="font-bricolage text-sm xl:text-base leading-normal" data-v-33f3a3af><a href="/expats/library/" class="" data-v-33f3a3af>Blogs</a></li><li class="font-bricolage text-sm xl:text-base leading-normal" data-v-33f3a3af><a href="/expats/pricing/" class="" data-v-33f3a3af>Pricing</a></li><li class="font-bricolage text-sm xl:text-base leading-normal" data-v-33f3a3af><a href="/expats/about-us/" class="" data-v-33f3a3af>About us</a></li><!--]--></ul></div><div class="hidden lg:flex items-center gap-6 ml-auto" data-v-33f3a3af><a href="/expats/contact/" class="" data-v-33f3a3af><button class="flex h-9 px-4 py-2 justify-center items-center gap-2 cursor-pointer font-bricolage text-xs xl:text-sm font-medium leading-normal rounded-[1.25rem] shadow-sm bg-green" data-v-33f3a3af>Free meeting</button></a><!----></div></nav></div></header><div class="absolute left-0 top-[135px] w-screen bg-beige z-[5] shadow-lg overflow-hidden transition-[max-height] duration-300 ease-in-out max-h-0 mega-menu" data-v-33f3a3af><div class="px-8 mx-auto relative max-w-[84rem] lg:px-6 md:px-4"><div class="pl-[8.75rem] flex gap-20 pb-12"><!--[--><!--]--></div></div></div><div class="absolute top-[7.5rem] left-0 z-[9] w-screen h-[calc(100svh-7.5rem)] bg-beige transition-all duration-300 overflow-hidden max-h-0" data-v-33f3a3af><div class="px-8 mx-auto relative max-w-[84rem] lg:px-6 md:px-4"><ul><!--[--><li class="text-base lg:text-lg leading-normal lg:leading-[1.4] font-bricolage py-4 border-b border-black"><!--[--><span class="cursor-pointer select-none flex justify-between items-center">Mortgage <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 15 9" class="w-4 transition-transform duration-300"><path d="m1 1.474 6.012 6.012 6.011-6.012" stroke="#021C22" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><div style="display:none;"><!--[--><div><strong class="block mt-4 mb-2">By situation</strong><ul><!--[--><li class="py-2"><a href="/expats/mortgage/first-time-home-buyer" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M9 21.96v-7.4c0-.56 0-.84.109-1.055a1 1 0 0 1 .437-.437c.214-.109.494-.109 1.054-.109h2.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C15 13.72 15 14 15 14.56v7.4M2 10.46l9.04-6.78c.344-.258.516-.387.705-.437a1 1 0 0 1 .51 0c.189.05.36.179.705.437L22 10.46M4 8.96v9.8c0 1.12 0 1.68.218 2.108a2 2 0 0 0 .874.874c.428.218.988.218 2.108.218h9.6c1.12 0 1.68 0 2.108-.218a2 2 0 0 0 .874-.874C20 20.44 20 19.88 20 18.76v-9.8L13.92 4.4c-.688-.516-1.033-.774-1.41-.874a2 2 0 0 0-1.02 0c-.377.1-.722.358-1.41.874L4 8.96Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>First-time buyer</span></a></li><li class="py-2"><a href="/expats/mortgage/new-construction-mortgage-netherlands/" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="m22 7.96-7.869 7.868c-.396.396-.594.594-.822.668a1 1 0 0 1-.618 0c-.228-.074-.426-.272-.822-.668L9.13 13.09c-.396-.396-.594-.594-.822-.669a1 1 0 0 0-.618 0c-.228.075-.426.273-.822.669L2 17.959m20-10h-7m7 0v7" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>New construction</span></a></li><li class="py-2"><a href="/expats/mortgage/mortgage-when-moving-homes-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M20.5 8.96v8.2c0 1.68 0 2.52-.327 3.161a3 3 0 0 1-1.311 1.311c-.642.327-1.482.327-3.162.327H8.3c-1.68 0-2.52 0-3.162-.327a3 3 0 0 1-1.311-1.31C3.5 19.68 3.5 18.838 3.5 17.158v-8.2m.1-5h16.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C22 4.72 22 5 22 5.56v1.8c0 .56 0 .84-.109 1.054a1 1 0 0 1-.437.437c-.214.11-.494.11-1.054.11
82H3.6c-.56 0-.84 0-1.054-.11a1 1 0 0 1-.437-.437C2 8.2 2 7.92 2 7.36v-1.8c0-.56 0-.84.109-1.054a1 1 0 0 1 .437-.437C2.76 3.96 3.04 3.96 3.6 3.96Zm6 8.5h4.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C16 13.22 16 13.5 16 14.06v.8c0 .56 0 .84-.109 1.054a1 1 0 0 1-.437.437c-.214.11-.494.11-1.054.11H9.6c-.56 0-.84 0-1.054-.11a1 1 0 0 1-.437-.437C8 15.7 8 15.42 8 14.86v-.8c0-.56 0-.84.109-1.054a1 1 0 0 1 .437-.437c.214-.109.494-.109 1.054-.109Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Moving to a new home</span></a></li><li class="py-2"><a href="/expats/mortgage/mortgage-refinancing-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M22 12.045v.92a10 10 0 1 1-5.93-9.14M22 4.959 12 14.97l-3-3" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Refinance</span></a></li><li class="py-2"><a href="/expats/mortgage/rental-mortgage-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M9 21.96v-7.4c0-.56 0-.84.109-1.055a1 1 0 0 1 .437-.437c.214-.109.494-.109 1.054-.109h2.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C15 13.72 15 14 15 14.56v7.4M2 10.46l9.04-6.78c.344-.258.516-.387.705-.437a1 1 0 0 1 .51 0c.189.05.36.179.705.437L22 10.46M4 8.96v9.8c0 1.12 0 1.68.218 2.108a2 2 0 0 0 .874.874c.428.218.988.218 2.108.218h9.6c1.12 0 1.68 0 2.108-.218a2 2 0 0 0 .874-.874C20 20.44 20 19.88 20 18.76v-9.8L13.92 4.4c-.688-.516-1.033-.774-1.41-.874a2 2 0 0 0-1.02 0c-.377.1-.722.358-1.41.874L4 8.96Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Rental mortgage</span></a></li><li class="py-2"><a href="/expats/mortgage/mortgages-investment-properties-netherlands/" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="m22 7.96-7.869 7.868c-.396.396-.594.594-.822.668a1 1 0 0 1-.618 0c-.228-.074-.426-.272-.822-.668L9.13 13.09c-.396-.396-.594-.594-.822-.669a1 1 0 0 0-.618 0c-.228.075-.426.273-.822.669L2 17.959m20-10h-7m7 0v7" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Investment mortgage</span></a></li><li class="py-2"><a href="/expats/mortgage/additional-mortgage-borrowing-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M3.338 7.96a9.996 9.996 0 0 1 8.662-5c5.523 0 10 4.476 10 10 0 5.522-4.477 10-10 10a9.996 9.996 0 0 1-8.662-5m8.662-1 4-4m0 0-4-4m4 4H2" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Additional borrowing</span></a></li><li class="py-2"><a href="/expats/mortgage/divorce/" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M 12 22 C 6.5 18 2 14 2 9.5 C 2 6.5 4 4.5 6 4.5 C 7.5 4.5 9 5.5 10 7 C 10.5 5.5 11 4.5 12 4.5 L 12 22 Z" stroke="#00a06e" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M 12 22 C 17.5 18 22 14 22 9.5 C 22 6.5 20 4.5 18 4.5 C 16.5 4.5 15 5.5 14 7 C 13.5 5.5 13 4.5 12 4.5 L 12 22 Z" stroke="#00a06e" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Divorce</span></a></li><!--]--></ul></div><div><strong class="block mt-4 mb-2">How we work</strong><ul><!--[--><li class="py-2"><a href="/expats/mortgage/bidding-insurance-mortgage-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M21 16.36v-8.8c0-1.121 0-1.681-.218-2.109a2 2 0 0 0-.874-.874c-.428-.218-.988-.218-2.108-.218H6.2c-1.12 0-1.68 0-2.108.218a2 2 0 0 0-.874.874C3 5.88 3 6.44 3 7.56v8.8m1.667 4h14.666c.62 0 .93 0 1.185-.068a2 2 0 0 0 1.414-1.414c.068-.255.068-.565.068-1.184 0-.31 0-.466-.034-.593a1 1 0 0 0-.707-.707c-.127-.034-.282-.034-.592-.034H3.333c-.31 0-.465 0-.592.034a1 1 0 0 0-.707.707C2 17.227 2 17.382 2 17.692c0 .62 0 .93.068 1.185a2 2 0 0 0 1.414 1.414c.255.068.565.068 1.185.068Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Bid insurance</span></a></li><li class="py-2"><a href="/expats/mortgage/expat-mortgage-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M3.338 7.96a9.996 9.996 0 0 1 8.662-5c5.523 0 10 4.476 10 10 0 5.522-4.477 10-10 10a9.996 9.996 0 0 1-8.662-5m8.662-1 4-4m0 0-4-4m4 4H2" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Our process</span></a></li><li class="py-2"><a href="/expats/mortgage/independent-mortgage-advice-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M9 21.96v-7.4c0-.56 0-.84.109-1.055a1 1 0 0 1 .437-.437c.214-.109.494-.109 1.054-.109h2.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C15 13.72 15 14 15 14.56v7.4M2 10.46l9.04-6.78c.344-.258.516-.387.705-.437a1 1 0 0 1 .51 0c.189.05.36.179.705.437L22 10.46M4 8.96v9.8c0 1.12 0 1.68.218 2.108a2 2 0 0 0 .874.874c.428.218.988.218 2.108.218h9.6c1.12 0 1.68 0 2.108-.218a2 2 0 0 0 .874-.874C20 20.44 20 19.88 20 18.76v-9.8L13.92 4.4c-.688-.516-1.033-.774-1.41-.874a2 2 0 0 0-1.02 0c-.377.1-.722.358-1.41.874L4 8.96Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Why to choose us</span></a></li><li class="py-2"><a href="/expats/mortgage/mortgage-application-requirements-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M22 12.045v.92a10 10 0 1 1-5.93-9.14M22 4.959 12 14.97l-3-3" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Mortgage requirements</span></a></li><li class="py-2"><a href="/expats/mortgage/compare-mortgage-interest-rates-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M8 10.46h4m-4 3.5h7m-3 8a9 9 0 1 0-8.342-5.616c.081.2.122.3.14.38.018.08.024.138.024.22 0 .082-.015.172-.045.353l-.593 3.558c-.062.372-.093.558-.035.693a.5.5 0 0 0 .262.263c.135.057.321.026.694-.036l3.558-.593c.18-.03.27-.045.353-.045.081 0 .14.006.219.024.08.018.18.059.38.14A8.975 8.975 0 0 0 12 21.96Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>40+ mortgage lenders</span></a></li>
82<!--]--></ul></div><!--]--></div><!--]--></li><li class="text-base lg:text-lg leading-normal lg:leading-[1.4] font-bricolage py-4 border-b border-black"><a href="/expats/mortgage-interest-rates/" class="">Interest rates 2026</a></li><li class="text-base lg:text-lg leading-normal lg:leading-[1.4] font-bricolage py-4 border-b border-black"><!--[--><span class="cursor-pointer select-none flex justify-between items-center">Calculate mortgage <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 15 9" class="w-4 transition-transform duration-300"><path d="m1 1.474 6.012 6.012 6.011-6.012" stroke="#021C22" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><div style="display:none;"><!--[--><div><strong class="block mt-4 mb-2">Calculators</strong><ul><!--[--><li class="py-2"><a href="/expats/mortgage-calculator/" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M21 16.36v-8.8c0-1.121 0-1.681-.218-2.109a2 2 0 0 0-.874-.874c-.428-.218-.988-.218-2.108-.218H6.2c-1.12 0-1.68 0-2.108.218a2 2 0 0 0-.874.874C3 5.88 3 6.44 3 7.56v8.8m1.667 4h14.666c.62 0 .93 0 1.185-.068a2 2 0 0 0 1.414-1.414c.068-.255.068-.565.068-1.184 0-.31 0-.466-.034-.593a1 1 0 0 0-.707-.707c-.127-.034-.282-.034-.592-.034H3.333c-.31 0-.465 0-.592.034a1 1 0 0 0-.707.707C2 17.227 2 17.382 2 17.692c0 .62 0 .93.068 1.185a2 2 0 0 0 1.414 1.414c.255.068.565.068 1.185.068Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Calculate maximum mortgage </span></a></li><li class="py-2"><a href="/expats/mortgage-calculator/monthly-mortgage-payments-netherlands/" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M22 12.045v.92a10 10 0 1 1-5.93-9.14M22 4.959 12 14.97l-3-3" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Calculate monthly mortgage payments</span></a></li><li class="py-2"><a href="/expats/mortgage-calculator/buying-costs-netherlands" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M3.338 7.96a9.996 9.996 0 0 1 8.662-5c5.523 0 10 4.476 10 10 0 5.522-4.477 10-10 10a9.996 9.996 0 0 1-8.662-5m8.662-1 4-4m0 0-4-4m4 4H2" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Savings needed to buy a home</span></a></li><li class="py-2"><a href="/expats/mortgage-calculator/check-nhg-eligibility" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M9 21.96v-7.4c0-.56 0-.84.109-1.055a1 1 0 0 1 .437-.437c.214-.109.494-.109 1.054-.109h2.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C15 13.72 15 14 15 14.56v7.4M2 10.46l9.04-6.78c.344-.258.516-.387.705-.437a1 1 0 0 1 .51 0c.189.05.36.179.705.437L22 10.46M4 8.96v9.8c0 1.12 0 1.68.218 2.108a2 2 0 0 0 .874.874c.428.218.988.218 2.108.218h9.6c1.12 0 1.68 0 2.108-.218a2 2 0 0 0 .874-.874C20 20.44 20 19.88 20 18.76v-9.8L13.92 4.4c-.688-.516-1.033-.774-1.41-.874a2 2 0 0 0-1.02 0c-.377.1-.722.358-1.41.874L4 8.96Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Check NHG eligibility 2026</span></a></li><li class="py-2"><a href="/expats/mortgage-calculator/transfer-tax" class="flex items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-6 mr-2"><path d="M20.5 8.96v8.2c0 1.68 0 2.52-.327 3.161a3 3 0 0 1-1.311 1.311c-.642.327-1.482.327-3.162.327H8.3c-1.68 0-2.52 0-3.162-.327a3 3 0 0 1-1.311-1.31C3.5 19.68 3.5 18.838 3.5 17.158v-8.2m.1-5h16.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C22 4.72 22 5 22 5.56v1.8c0 .56 0 .84-.109 1.054a1 1 0 0 1-.437.437c-.214.11-.494.11-1.054.11H3.6c-.56 0-.84 0-1.054-.11a1 1 0 0 1-.437-.437C2 8.2 2 7.92 2 7.36v-1.8c0-.56 0-.84.109-1.054a1 1 0 0 1 .437-.437C2.76 3.96 3.04 3.96 3.6 3.96Zm6 8.5h4.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C16 13.22 16 13.5 16 14.06v.8c0 .56 0 .84-.109 1.054a1 1 0 0 1-.437.437c-.214.11-.494.11-1.054.11
82H9.6c-.56 0-.84 0-1.054-.11a1 1 0 0 1-.437-.437C8 15.7 8 15.42 8 14.86v-.8c0-.56 0-.84.109-1.054a1 1 0 0 1 .437-.437c.214-.109.494-.109 1.054-.109Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span>Transfer tax calculator 2026</span></a></li><!--]--></ul></div><!--]--></div><!--]--></li><li class="text-base lg:text-lg leading-normal lg:leading-[1.4] font-bricolage py-4 border-b border-black"><a href="/expats/library/" class="">Blogs</a></li><li class="text-base lg:text-lg leading-normal lg:leading-[1.4] font-bricolage py-4 border-b border-black"><a href="/expats/pricing/" class="">Pricing</a></li><li class="text-base lg:text-lg leading-normal lg:leading-[1.4] font-bricolage py-4 border-b border-black"><a href="/expats/about-us/" class="">About us</a></li><!--]--></ul><a href="https://ohao.klantcloud.nl/login" target="_blank" class="text-base lg:text-lg leading-normal lg:leading-[1.4] font-bricolage py-6 flex justify-start gap-1"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 25 25" class="h-6"><path d="M3.959 20.495c2.34-2.482 5.518-4.007 9.018-4.007 3.5 0 6.677 1.525 9.017 4.008M17.486 7.97a4.509 4.509 0 1 1-9.018 0 4.509 4.509 0 0 1 9.018 0Z" stroke="#021C22" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg> Login </a><a class="text-base lg:text-lg leading-normal lg:leading-[1.4] font-bricolage" href="/"><button>NL</button></a><a href="/expats/contact/" class="flex h-14 px-6 py-2.5 justify-center items-center gap-2 cursor-pointer font-bricolage text-xl font-medium leading-normal rounded-[1.87rem] shadow-sm w-max bg-green border-green mt-4 text-[0.8rem] px-4 py-2"><button>
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max-h-64 lg:max-h-none"><img src="https://a.storyblok.com/f/284734/1408x1413/26ce42cb19/hero-image.webp" alt="Mortgages for expats in the Netherlands" class="w-full h-full max-h-64 lg:max-h-[44rem] object-cover object-top"></div></div><!--]--></div></div><div class="transition-opacity duration-1000 opacity-0" style="background-color:#Ffffff;"><!----></div><div class="service-grid mx-auto grid lg:grid-cols-3 place-items-center" style="margin-top:0px;margin-bottom:0px;"><!--[--><div class="bg-null py-10 lg:py-20 w-full h-full text-left lg:text-center flex items-center" style=""><div class="px-8 mx-auto relative max-w-[84rem] lg:px-6 md:px-4 w-full"><!--[--><h2 class="font-gowun text-3xl lg:text-4xl leading-[1.27] lg:leading-[1.22] mb-4"><!--[-->First Mortgage<!--]--></h2><ul class="flex flex-col gap-4 w-fit mb-8 text-left lg:mx-auto"><li class="relative w-fit ml-12 text-base lg:text-lg leading-[1.5] lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 4.666h.011m11.655-4.666c0 6.443-5.223 11.666-11.666 11.666-6.444 0-11.667-5.223-11.667-11.666C2.333 7.752 7.556 2.529 14 2.529c6.443 0 11.666 5.223 11.666 11.667Z" stroke="currentColor" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><!--[-->Interest rates from 3.05%<!--]--></li><li class="relative w-fit ml-12 text-base lg:text-lg leading-[1.5] lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 4.666h.011m11.655-4.666c0 6.443-5.223 11.666-11.666 11.666-6.444 0-11.667-5.223-11.667-11.666C2.333 7.752 7.556 2.529 14 2.529c6.443 0 11.666 5.223 11.666 11.667Z" stroke="currentColor" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><!--[-->Clear, step-by-step mortgage guidance<!--]--></li><li class="relative w-fit ml-12 text-base lg:text-lg leading-[1.5] lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 4.666h.011m11.655-4.666c0 6.443-5.223 11.666-11.666 11.666-6.444 0-11.667-5.223-11.667-11.666C2.333 7.752 7.556 2.529 14 2.529c6.443 0 11.666 5.223 11.666 11.667Z" stroke="currentColor" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><!--[-->Fees from €2,495<!--]--></li></ul><a href="/expats/mortgage/first-time-home-buyer/" class=""><!--[--><button class="flex h-14 px-6 py-2.5 justify-center items-center gap-2 cursor-pointer font-bricolage text-xl font-medium leading-normal rounded-[1.87rem] shadow-sm w-full md:w-auto md:mx-auto bg-white text-black hover:opacity-90 transition-opacity">More information</button><!--]--></a>
82<!--]--></div></div><div class="bg-null py-10 lg:py-20 w-full h-full text-left lg:text-center flex items-center" style=""><div class="px-8 mx-auto relative max-w-[84rem] lg:px-6 md:px-4 w-full"><!--[--><h2 class="font-gowun text-3xl lg:text-4xl leading-[1.27] lg:leading-[1.22] mb-4"><!--[-->Refinance<!--]--></h2><ul class="flex flex-col gap-4 w-fit mb-8 text-left lg:mx-auto"><li class="relative w-fit ml-12 text-base lg:text-lg leading-[1.5] lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 4.666h.011m11.655-4.666c0 6.443-5.223 11.666-11.666 11.666-6.444 0-11.667-5.223-11.667-11.666C2.333 7.752 7.556 2.529 14 2.529c6.443 0 11.666 5.223 11.666 11.667Z" stroke="currentColor" stroke-width="2.004" stroke-linecap="round" 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lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 4.666h.011m11.655-4.666c0 6.443-5.223 11.666-11.666 11.666-6.444 0-11.667-5.223-11.667-11.666C2.333 7.752 7.556 2.529 14 2.529c6.443 0 11.666 5.223 11.666 11.667Z" stroke="currentColor" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><!--[-->New-build mortgage expertise<!--]--></li><li class="relative w-fit ml-12 text-base lg:text-lg leading-[1.5] lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 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That’s why we take great pride in the positive feedback we receive from our customers.</p><div class="mb-6 lg:mb-0"><a href="https://www.advieskeuze.nl/notariaat/1017jt/ohao/" target="_blank"><svg fill="none" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 142 29" class="h-[1.8rem]"><path d="m18.796.196 17.701 24.52c1.26 1.752.008 4.195-2.15 4.195H3.39c-2.158 0-3.41-2.443-2.15-4.195L18.795.196Z" fill="#67AAEA"></path><path d="m18.797.196 17.629 24.52c1.26 1.752.007 4.195-2.15 4.195h-15.48V.196Z" fill="#99D04D"></path><path d="M18.797 28.91 36.426 4.39c1.26-1.752.007-4.194-2.15-4.194h-15.48V28.91Z" fill="#1D3A65"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M29.12 14.553 18.796.196V28.91l10.322-14.358Z" fill="#3B7FCC"></path><path d="M18.797.196V28.91h8.91L18.796.196Z" fill="#4B97E6"></path><path fill-rule="evenodd" clip-rule="evenodd" d="m25.02 20.254-6.223 8.656h8.91l-2.687-8.656Z" fill="#89BC42"></path><path d="M49.122 9.795h2.864l4.06 10.758h-2.879l-.53-1.53h-4.152l-.53 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0V9.795h6.349v2.44h-3.682v1.696h3.061v2.41h-3.061v1.773h3.804v2.44h-6.471Zm11.819.152c-2.333 0-4.227-1.485-4.227-4.273V9.795h2.666v6.652c0 1.515.94 1.758 1.561 1.758.606 0 1.546-.243 1.546-1.758V9.795h2.667v6.637c0 2.788-1.894 4.273-4.213 4.273Zm5.009-.152 4.591-8.319h-4.409v-2.44h8.5l-4.591 8.32h4.425v2.44h-8.516Zm9.557 0V9.795h6.349v2.44h-3.682v1.696h3.061v2.41h-3.061v1.773h3.803v2.44h-6.47Z" fill="#021C22"></path></svg><span class="block mt-2 underline text-[0.875rem] leading-[1.42] font-bricolage font-normal">5.0/5 op basis van 854 reviews </span></a></div></div><div class="testimonials__slider swiper w-full lg:w-full -mx-4 md:-mx-6 lg:mx-0 px-4 md:px-6 lg:px-0 [&amp;_.swiper-wrapper]:w-[100vw] lg:[&amp;_.swiper-wrapper]:w-full"><div class="swiper-wrapper"><!--[--><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 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xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Excellent service from start to finish. Friendly, responsive, and always willing to help. All required paperwork was handled on time, and any questions were answered quickly by email. I particularly appreciated the extra effort in checking and assisting with documents beyond the agreed scope. His made the whole mortgage process clear and stress-free. Highly recommended.</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->L<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">27-09-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.2
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0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Luc has been amazing at helping us navigate all the procedures regarding our mortgage. He is quick to respond and is always available over call. We had a great experience with him. </p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Balaaj<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">22-06-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 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11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Bart was an amazing advisor; especially, given my situation as an American expat. He made it clear on what the process would be, documentation, and even guided me through some portions to help me understand how to best approach the Dutch home buying process. Overall, I would recommend anyone to work with OHAO and Bart as he will take good care of you.</p><h3 class="font-gowun text-[1.5rem]
82 leading-[1.33]"><!--[-->Isaac<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">04-06-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 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7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 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5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Working with Bart as our mortgage advisor was a great experience from start to finish. He took the time to understand our situation, explained everything clearly, and patiently answered all our questions along the way.
83Bart is knowledgeable, responsive, and genuinely looks out for his clients&#39; best interests. He turned what could have been a stressful process into a smooth one.
84Highly recommended!</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Pouyan<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">10-05-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 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84447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Luc Zwaan at OHAO provided top-tier service for our home purchase. He is knowledgeable, proactive, and very clear in his explanations of Dutch mortgage rules and tax benefits. Our mortgage was approved quickly and without any issues. If you want a mortgage advisor who is reliable and stays on top of every detail, Luc is the person to go to. 5 stars!</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Mayur<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">26-03-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 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0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Toni was happy to help us out quickly and was able to secure a good deal for us. He helped us out regurarly with a bunch of questions.
85- From a happy customer and a first time home owner.</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Gedeon<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">13-03-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67
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font-bricolage font-normal mb-4">Our mortgage application was quite complex and Tony helped us through it very well. He gave brilliant advice that really saved our mortgage and enabled us to buy a home.</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Abdullah H<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">26-02-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 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6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Luc&#39;s advising is very professional, detailed, honest and tailored to what is the best for me. He covered all aspects that needs to be considered and explained everything thoroughly.
86
87He is also always very fast in responding and managed to get my mortgage approved within 3 working days.
88
89Definitely would highly recommend his services if you are looking for a reliable mortgage advisor.  </p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Yinuo<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">18-02-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605
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11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">I had the pleasure of working with Luc to find a new mortgage, and refinance my existing one. His expertise made the process smooth and clear, answering all my questions promptly and securing a great rate. I highly recommend him for anyone navigating Dutch mortgages!</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->O.B<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">07-01-2026</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 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898787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">I had a very pleasant experience with OHAO, especially with Bart. He is great and truly an expert in his field—always responsive, supportive, helpful, and quick to provide any required information. The mortgage approval process was fast and smooth. I highly recommend OHAO if you’re looking for a quick, professional, and trustworthy service.</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Maryam <!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">06-11-2025</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 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6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Bart is very knowledgeable and very quick while helping us. He&#39;s already helped us with multiple mortgages and every time he knows exactly how to approach the process so that we get the highest chance for the bank to accept our request on the best possible terms. Highly recommended.</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Alex<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">05-10-2025</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 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He is a nice and friendly person and very easy to work with - available, proactive, friendly, and very good at explaining. He provided us with invaluable advice during the mortgage process. </p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->EM<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">18-08-2025</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 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18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">I have really appreciate Luc service! Gentle, accurate, fast, responsive, immediate, and tailor driven - that&#39;s all makes my experience with Luc just amazing. We have found a good mortgage provider very fast, I think, we have spent only 2-3 weeks for the whole process from A to Z. Really recommend this company and Luc as an adviser!</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Aleksandr<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">28-07-2025</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.67771 17.9718 3.54949 17.8787 3.47737 17.7459C3.39447 17.5933 3.43858 17.3361 3.5268 16.8217L4.36326 11.9447C4.38934 11.7927 4.40238 11.7167 4.39355 11.6439C4.38574 11.5795 4.36549 11.5172 4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 17.7459C15.3393 17.8787 15.2111 17.9718 15.0625 17.9994C14.8917 18.031 14.6608 17.9096 14.1989 17.6667L9.81749 15.3626C9.68098 15.2908 9.61272 15.2549 9.54081 15.2408C9.47714 15.2283 9.41165 15.2283 9.34798 15.2408C9.27607 15.2549 9.20782 15.2908 9.0713 15.3626L4.68994 17.6667C4.22802 17.9096 3.99706 18.031 3.82629 17.9994C3.6
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lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Luc was very informative, he made sure to explain everything I needed to know as a first time buyer.
90He made sure to be available for all my questions and inquiries. The process went very smoothly, and approval was quite quick.</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Reem<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">23-06-2025</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 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5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Bart is such a great mortgage advisor. He is reliable, knowledgeable and explains every details to me with great patience. It is a very smooth process to get 2 mortgage applications approved! </p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Melanie<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">19-06-2025</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69
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4.33392 11.4605C4.29827 11.3965 4.24301 11.3426 4.13251 11.235L0.587498 7.78217C0.213865 7.41825 0.0270492 7.23629 0.00431603 7.06415C-0.0154631 6.91438 0.0334006 6.76367 0.137302 6.654C0.256722 6.52795 0.514766 6.49024 1.03086 6.4148L5.93177 5.69846C6.08419 5.67618 6.16039 5.66504 6.22676 5.63418C6.28552 5.60685 6.33843 5.56839 6.38254 5.52091C6.43236 5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">He helped us through the whole proccess, always helping us with our doubts and questions</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->
90F.N.S<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">15-06-2025</p></div><div class="swiper-slide p-10 bg-beige"><div class="flex gap-1 mb-4"><!--[--><svg xmlns="http://www.w3.org/2000/svg" width="19" height="18" viewbox="0 0 19 18" fill="none"><path d="M8.72562 0.821397C8.95656 0.353536 9.07203 0.119606 9.22878 0.044865C9.36517 -0.0201633 9.52362 -0.0201633 9.66001 0.044865C9.81677 0.119606 9.93224 0.353536 10.1632 0.821396L12.3542 5.26011C12.4224 5.39823 12.4564 5.46729 12.5063 5.52091C12.5504 5.56839 12.6033 5.60685 12.662 5.63418C12.7284 5.66504 12.8046 5.67618 12.957 5.69846L17.8579 6.4148C18.374 6.49024 18.6321 6.52795 18.7515 6.654C18.8554 6.76367 18.9043 6.91438 18.8845 7.06415C18.8617 7.23629 18.6749 7.41825 18.3013 7.78217L14.7563 11.235C14.6458 11.3426 14.5905 11.3965 14.5549 11.4605C14.5233 11.5172 14.5031 11.5795 14.4952 11.6439C14.4864 11.7167 14.4995 11.7927 14.5255 11.9447L15.362 16.8217C15.4502 17.3361 15.4943 17.5933 15.4114 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5.46729 6.46644 5.39823 6.53462 5.26011L8.72562 0.821397Z" fill="currentColor"></path></svg><!--]--></div><p class="text-base lg:text-[1.125rem] leading-[1.5] lg:leading-[1.4] font-bricolage font-normal mb-4">Toni was always helpful and reachable. He was very patient with us, explaining every step. My husband and I were in our probation period, and he was the only person who agreed to give us the mortgage statement, which gave us peace of mind. Highly recommended!</p><h3 class="font-gowun text-[1.5rem] leading-[1.33]"><!--[-->Maryam<!--]--></h3><p class="opacity-50 text-xs leading-normal font-bricolage font-normal">22-04-2025</p></div><!--]--></div></div></div><div class="absolute -bottom-4 md:-bottom-4 lg:-bottom-16 -right-4 lg:-right-20 w-48 md:w-48 lg:w-80 h-auto z-10"><svg fill="none" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 270 304"><g clip-path="url(#a)"><path d="M176.663 157.169c.087-13.859-.12-29.816.801-43.601-9.661 3.787-19.831 2.29-19.79-10.151.012-3.564 3.342-38.811 5.332-39.927.425-.236 1.235-.339 2.275-.332-.76-2.464 1.592-14.85 5.859-18.212.028-.02 3.258-2.35 5.707-3.51l.201-.092-.646-5.124a.792.792 0 0 1 .172-.589.829.829 0 0 1 .544-.302.839.839 0 0 1 .601.168c.17.13.281.322.309.532l.603 4.805c.295-.055.6-.015.87.115.27.129.49.34.626.602.351.58-.439 1.303-1.176 1.827l.032.254c.885-.363 1.431-.145 1.672.34.846-.79 1.658-1.213 2.391-.
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Honest explanations. The right mortgage for you.</p></div></div></div><div class="border border-white/20 rounded-2xl p-6 lg:p-8 hover:border-green/50 transition-colors duration-300"><div class="flex items-start gap-4"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-8 h-8 lg:w-10 lg:h-10 text-green"><path d="M9 21.96v-7.4c0-.56 0-.84.109-1.055a1 1 0 0 1 .437-.437c.214-.109.494-.109 1.054-.109h2.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C15 13.72 15 14 15 14.56v7.4M2 10.46l9.04-6.78c.344-.258.516-.387.705-.437a1 1 0 0 1 .51 0c.189.05.36.179.705.437L22 10.46M4 8.96v9.8c0 1.12 0 1.68.218 2.108a2 2 0 0 0 .874.874c.428.218.988.218 2.108.218h9.6c1.12 0 1.68 0 2.108-.218a2 2 0 0 0 .874-.874C20 20.44 20 19.88 20 18.76v-9.8L13.92 4.4c-.688-.516-1.033-.774-1.41-.874a2 2 0 0 0-1.02 0c-.377.1-.722.358-1.41.874L4 8.96Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><div class="flex-1"><h3 class="text-lg lg:text-xl font-semibold text-white mb-2">Online or in-office appointments</h3><p class="text-white text-sm lg:text-base leading-relaxed">Helping clients across the Netherlands, with flexible online and face-to-face consultations.</p></div></div></div><div class="border border-white/20 rounded-2xl p-6 lg:p-8 hover:border-green/50 transition-colors duration-300"><div class="flex items-start gap-4"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-8 h-8 lg:w-10 lg:h-10 text-green"><path d="M 12 22 C 6.5 18 2 14 2 9.5 C 2 6.5 4 4.5 6 4.5 C 7.5 4.5 9 5.5 10 7 C 10.5 5.5 11 4.5 12 4.5 L 12 22 Z" stroke="#00a06e" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M 12 22 C 17.5 18 22 14 22 9.5 C 22 6.5 20 4.5 18 4.5 C 16.5 4.5 15 5.5 14 7 C 13.5 5.5 13 4.5 12 4.5 L 12 22 Z" stroke="#00a06e" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><div class="flex-1"><h3 class="text-lg lg:text-xl font-semibold text-white mb-2">Mortgage advice in English</h3><p class="text-white text-sm lg:text-base leading-relaxed">We explain the Dutch mortgage system in clear, simple terms.</p></div></div></div><div class="border border-white/20 rounded-2xl p-6 lg:p-8 hover:border-green/50 transition-colors duration-300"><div class="flex items-start gap-4"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-8 h-8 lg:w-10 lg:h-10 text-green"><path d="M9 21.96v-7.4c0-.56 0-.84.109-1.055a1 1 0 0 1 .437-.437c.214-.109.494-.109 1.054-.109h2.8c.56 0 .84 0 1.054.11a1 1 0 0 1 .437.436C15 13.72 15 14 15 14.56v7.4M2 10.46l9.04-6.78c.344-.258.516-.387.705-.437a1 1 0 0 1 .51 0c.189.05.36.179.705.437L22 10.46M4 8.96v9.8c0 1.12 0 1.68.218 2.108a2 2 0 0 0 .874.874c.428.218.988.218 2.108.218h9.6c1.12 0 1.68 0 2.108-.218a2 2 0 0 0 .874-.874C20 20.44 20 19.88 20 18.76v-9.8L13.92 4.4c-.688-.516-1.033-.774-1.41-.874a2 2 0 0 0-1.02 0c-.377.1-.722.358-1.41.874L4 8.96Z" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><div class="flex-1"><h3 class="text-lg lg:text-xl font-semibold text-white mb-2">We specialize in expat mortgages</h3><p class="text-white text-sm lg:text-base leading-relaxed">Experience with the 30% ruling, foreign income, and freelance or alternative income structures</p></div></div></div><div class="border border-white/20 rounded-2xl p-6 lg:p-8 hover:border-green/50 transition-colors duration-300"><div class="flex items-start gap-4"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 19 14" class="w-8 h-8 lg:w-10 lg:h-10 text-green"><path d="m2 6.96 5 5 10-10" stroke="currentColor" stroke-width="3.333" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><div class="flex-1"><h3 class="text-lg lg:text-xl font-semibold text-white mb-2">Expert advice from €2,495</h3><p class="text-white text-sm lg:text-base leading-relaxed">Complete mortgage advice for expats at a fair and transparent fee— tax-deductible.</p></div></div></div><div class="border border-white/20 rounded-2xl p-6 lg:p-8 hover:border-green/50 transition-colors duration-300"><div class="flex items-start gap-4"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 24 25" class="w-8 h-8 lg:w-10 lg:h-10 text-green"><g clip-path="url(#a)" stroke="#00A06E" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M18.06 6.367c4.08 3.804 2.808 9.444 2.074 11.68a2.22 2.22 0 0 1-1.292 1.386c-2.181.873-7.718 2.534-11.798-1.265-3.84-3.588-5.314-11.04-5.818-14.64A1.68 1.68 0 0 1 3.05 1.567c3.631.254 11.163 1.2 15.01 4.8Z"></path>
90<path d="M9.184 8.74a85.266 85.266 0 0 1 9.734 9.538c1.363 1.57 2.657 3.24 3.88 4.879"></path></g><defs><clipPath id="a"><path fill="#fff" transform="translate(0 .36)" d="M0 0h24v24H0z"></path></clipPath></defs></svg></div><div class="flex-1"><h3 class="text-lg lg:text-xl font-semibold text-white mb-2">A Trusted network for expats</h3><p class="text-white text-sm lg:text-base leading-relaxed">We connect you with reliable real estate agents, appraisers, notaries, and tax partners — all working together for you.</p></div></div></div><!--]--></div><!--]--></div></div><div class="content-image" style=""><div class="px-8 mx-auto relative max-w-[84rem] lg:px-6 md:px-4"><!--[--><div class="grid grid-cols-1 lg:grid-cols-2 gap-0 lg:gap-20"><div class="lg:-ml-[calc(50vw-100%-2.5rem)] lg:mr-0 h-80 md:h-[30rem] lg:h-auto -mx-4 md:-mx-6 lg:mx-0 bg-center bg-cover" style="background-image:url( https://a.storyblok.com/f/284734/3281x2625/940b8e7472/toni-van-der-vlier-mortgage-advisor.jpg ); "></div><div class="py-10 lg:py-20" style=""><h2 class="font-gowun text-[2rem] lg:text-[3rem] leading-[1.1] lg:leading-[1.25] text-black mb-4"><!--[-->Helping Expats with every mortgage in the Netherlands<!--]--></h2><div class="text-base md:text-lg leading-[1.5] md:leading-[1.4] font-bricolage font-normal text-black mb-10"><div class="prose max-w-none"><p>At <strong>OHAO</strong>, we know the Dutch mortgage system can feel unfamiliar—and sometimes overwhelming—when you are coming from abroad. That’s why we specialise in guiding <strong>expats in every situation</strong>: from first-time buyers and new-build purchases to refinancing and more complex mortgage scenarios.</p><p>We do not offer one-size-fits-all advice. Instead, we take the time to understand your background, income structure, and plans, and then match you with the mortgage solution that truly fits your needs.</p><p>Start with a <strong>free, no-obligation consultation</strong> with one of our experienced mortgage advisors. During this meeting, we walk you through your options and explain every step in clear, straightforward terms.</p><p>With <strong>over 10 years of experience supporting expats in the Netherlands</strong>, we have helped hundreds turn uncertainty into clarity—and secure the right mortgage with confidence.</p></div></div><ul class="flex flex-col gap-4"><li class="relative w-fit ml-12 text-base lg:text-lg leading-[1.5] lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 4.666h.011m11.655-4.666c0 6.443-5.223 11.666-11.666 11.666-6.444 0-11.667-5.223-11.667-11.666C2.333 7.752 7.556 2.529 14 2.529c6.443 0 11.666 5.223 11.666 11.667Z" stroke="currentColor" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><!--[-->Competitive advisory fees from €2,495<!--]--></li><li class="relative w-fit ml-12 text-base lg:text-lg leading-[1.5] lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 4.666h.011m11.655-4.666c0 6.443-5.223 11.666-11.666 11.666-6.444 0-11.667-5.223-11.667-11.666C2.333 7.752 7.556 2.529 14 2.529c6.443 0 11.666 5.223 11.666 11.667Z" stroke="currentColor" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><!--[-->Expat mortage experts<!--]--></li><li class="relative w-fit ml-12 text-base lg:text-lg leading-[1.5] lg:leading-[1.4] font-bricolage font-normal flex items-start text-black"><div class="absolute -left-12 w-6 h-6 bg-green rounded-[0.7515rem] flex items-center justify-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 28 29" class="w-3 h-3 text-black"><path d="M14 9.529v4.667m0 4.666h.011m11.655-4.666c0 6.443-5.223 11.666-11.666 11.666-6.444 0-11.667-5.223-11.667-11.666C2.333 7.752 7.556 2.529 14 2.529c6.443 0 11.666 5.223 11.666 11.667Z" stroke="currentColor" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><!--[-->Clear, fast, and personal guidance<!--]--></li></ul><a href="/expats/contact/" class="block mt-8"><!--[--><button class="bg-green text-black hover:opacity-90 transition-opacity font-bricolage font-medium cursor-pointer h-14 px-6 py-2.5 text-xl rounded-[1.87rem] w-full md:w-auto"><!--[-->Contact Toni<!--]--></button><!--]--></a></div></div><!--]--></div></div><div class="py-10 lg:py-[6.25rem] overflow-hidden" style="background-color:#e8eaff;color:#000000;"><div class="px-8 mx-auto relative max-w-[84rem] lg:px-6 md:px-4"><!--[--><div class="grid grid-cols-1 lg:grid-cols-2 gap-10 lg:gap-16 items-center"><div class="relative"><h2 class="font-gowun text-[2rem] lg:text-5xl leading-tight lg:leading-tight text-[2rem] lg:text-5xl leading-tight lg:leading-tight mb-6"><!--[-->Compare multiple mortgage rates in one place<!--]--></h2><div class="text-base lg:text-lg leading-normal lg:leading-[1.6] mb-8 max-w-[31rem] opacity-90"><div class="prose max-w-none"><p>We work with multiple mortgage lenders in the Netherlands — from the biggest banks to a wide range of other financial institutions — giving you many options tailored to your plans.</p><p>Whether you&#039;re a first-home buyer, looking to refinance to a lower rate, increase your mortgage, or switch from residential to rental, we compare the market and help match you with the right solution for your situation.</p></div></div><a href="/expats/mortgage-interest-rates/" class=""><!--[--><button class="flex h-14 px-8 py-3 justify-center items-center gap-2 cursor-pointer font-bricolage text-lg font-semibold leading-normal rounded-full shadow-md w-full md:w-auto transition-all hover:shadow-lg hover:scale-[1.02]" style="background-color:#7df2aa;color:#000000;">Compare rates</button><!--]--></a></div><div class="relative"><!----></div></div><!--]--></div></div><section class="py-10 md:py-16 lg:py-20 bg-black text-white" style="" data-v-62639be3><!--[--><div class="px-8 mx-auto relative max-w-[84rem] lg:px-6 md:px-4 flex flex-col-reverse lg:flex-col" data-v-62639be3><!--[--><div class="flex justify-end gap-6 mb-0 mt-8 lg:mt-0 lg:mb-10" data-v-62639be3>
90<button class="blog-slider__prev bg-white text-black p-4 rounded-full disabled:opacity-30 rotate-180" data-v-62639be3><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 26 25" class="h-6" data-v-62639be3><path d="m9.994 18.971 6.012-6.012-6.012-6.012" stroke="#021C22" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></button><button class="blog-slider__next bg-white text-black p-4 rounded-full disabled:opacity-30" data-v-62639be3><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 26 25" class="h-6" data-v-62639be3><path d="m9.994 18.971 6.012-6.012-6.012-6.012" stroke="#021C22" stroke-width="2.004" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><div class="grid grid-cols-1 lg:grid-cols-2 gap-8 lg:gap-0" data-v-62639be3><div class="max-w-[30.5rem]" data-v-62639be3><h2 class="font-gowun text-[2rem] lg:text-5xl leading-tight lg:leading-tight mb-6" data-v-62639be3><!--[-->Mortgage news for expats<!--]--></h2><div class="text-base leading-normal font-bricolage" data-v-62639be3><div class="prose prose-invert max-w-none" data-v-62639be3><p>Stay up to date with the Dutch mortgage and housing market, so you can make informed decisions with confidence. If a topic feels complex—or you want to understand how it applies to your personal situation—feel free to schedule a <strong>free, no-obligation call</strong> with one of our mortgage advisors.</p></div></div></div><div class="mr-[calc(-50vw+100%)]" data-v-62639be3>
90<div class="blog-slider__slider swiper w-full pr-48 -mx-4 md:-mx-6 lg:mx-0 px-4 md:px-6 lg:px-0" data-v-62639be3><div class="swiper-wrapper" data-v-62639be3><!--[--><div class="swiper-slide" data-v-62639be3><div class="p-8 flex flex-col justify-end h-[28rem] bg-cover bg-center" style="background-image:url( https://a.storyblok.com/f/284734/1920x1080/384f3b3f72/transfer-tax-calculator-2026.png )" data-v-62639be3><h3 class="font-gowun text-2xl lg:text-3xl leading-[1.33] lg:leading-[1.27] mb-4" data-v-62639be3><!--[-->Calculate transfer tax 2026<!--]--></h3><a href="/expats/mortgage-calculator/transfer-tax/" class="" data-v-62639be3><!--[--><button class="flex h-14 px-6 py-2.5 justify-center items-center gap-2 cursor-pointer font-bricolage text-xl font-medium leading-normal rounded-[1.87rem] shadow-sm w-full md:w-auto bg-green text-black" data-v-62639be3>Read more</button><!--]--></a></div></div><div class="swiper-slide" data-v-62639be3><div class="p-8 flex flex-col justify-end h-[28rem] bg-cover bg-center" style="background-image:url( https://a.storyblok.com/f/284734/1920x1080/1b4bf71fa3/mortgage-application-documents.png )" data-v-62639be3><h3 class="font-gowun text-2xl lg:text-3xl leading-[1.33] lg:leading-[1.27] mb-4" data-v-62639be3><!--[-->Mortgage application documents<!--]--></h3><a href="/expats/library/mortgage-application-documents-expats-netherlands/" class="" data-v-62639be3><!--[--><button class="flex h-14 px-6 py-2.5 justify-center items-center gap-2 cursor-pointer font-bricolage text-xl font-medium leading-normal rounded-[1.87rem] shadow-sm w-full md:w-auto bg-green text-black" data-v-62639be3>Read more</button><!--]--></a></div></div><div class="swiper-slide" data-v-62639be3><div class="p-8 flex flex-col justify-end h-[28rem] bg-cover bg-center" style="background-image:url( https://a.storyblok.com/f/284734/1920x1080/c23b482d9f/mortgage-ineterest-rates-2026.png )" data-v-62639be3><h3 class="font-gowun text-2xl lg:text-3xl leading-[1.33] lg:leading-[1.27] mb-4" data-v-62639be3><!--[-->Interest rate outlook for 2026<!--]--></h3><a href="/expats/library/mortgage-interest-rate-deductions-2026/" class="" data-v-62639be3><!--[--><button class="flex h-14 px-6 py-2.5 justify-center items-center gap-2 cursor-pointer font-bricolage text-xl font-medium leading-normal rounded-[1.87rem] shadow-sm w-full md:w-auto bg-green text-black" data-v-62639be3>Read more</button><!--]--></a></div></div><div class="swiper-slide" data-v-62639be3><div class="p-8 flex flex-col justify-end h-[28rem] bg-cover bg-center" style="background-image:url( https://a.storyblok.com/f/284734/1920x1080/95af2103b6/how-mortgage-broker-can-help-you.png )" data-v-62639be3><h3 class="font-gowun text-2xl lg:text-3xl leading-[1.33] lg:leading-[1.27] mb-4" data-v-62639be3><!--[-->Why do you need a mortgage broker?<!--]--></h3><a href="/expats/library/why-you-need-a-mortgage-broker-netherlands/" class="" data-v-62639be3><!--[--><button class="flex h-14 px-6 py-2.5 justify-center items-center gap-2 cursor-pointer font-bricolage text-xl font-medium leading-normal rounded-[1.87rem] shadow-sm w-full md:w-auto bg-green text-black" data-v-62639be3>Read more</button><!--]--></a></div></div><!--]--></div></div></div></div><!--]--></div><!--]--></section><div class="py-10 lg:py-20 bg-dark-green" style=""><div class="px-4 md:px-6 lg:px-8 mx-auto relative max-w-[84rem]"><h2 class="font-gowun text-[2rem] lg:text-5xl leading-tight lg:leading-tight text-white mb-8"><!--[-->Calculate your maximum mortgage<!--]--></h2><form class="flex w-full gap-4 items-end justify-evenly flex-col lg:flex-row lg:items-end"><div class="flex-1 w-full"><label class="text-base leading-normal font-bricolage text-white block w-full"></label><div class="currency-input mt-2"><input value="€ 40.000" type="text" inputmode="numeric" class="w-full h-14 rounded-[3.13119rem] bg-transparent border border-current text-current p-4"></div></div><div class="flex-1 w-full"><label class="text-base leading-normal font-bricolage text-white block w-full"></label><div class="currency-input mt-2"><input value="€ 40.000" type="text" inputmode="numeric" class="w-full h-14 roun
90ded-[3.13119rem] bg-transparent border border-current text-current p-4"></div></div><a href="/expats/mortgage-calculator/?yearlyIncome=40000&amp;yearlyIncomePartner=40000" class="flex h-14 px-6 py-2.5 justify-center items-center gap-2 cursor-pointer font-bricolage text-xl font-medium leading-normal rounded-[1.87rem] shadow-sm w-full lg:w-[calc(20%-1rem)] mt-4 lg:mt-0 bg-green border border-green">Calculate</a></form><div class="transition-opacity duration-[100ms] opacity-100 ltr mt-8 !pb-0" style=""><a class="flex items-end gap-1 transform scale-100 flex-col" style="align-items:flex-start;" href="https://www.advieskeuze.nl/notariaat/1017jt/ohao/" target="_blank"><div class="flex justify-center items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 239 48" class="w-32 h-auto mr-4"><path fill="#4EADF1" d="M30.755 0v48H3.605C.682 48-1.022 44.698.672 42.314L30.755 0Z"></path><path fill="#89D22E" d="m47.817 24 13.02 18.314C62.53 44.698 60.827 48 57.903 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md:border-b-0 border-black pb-6 md:pb-0"><h4 class="font-bricolage font-semibold text-base leading-normal mb-4 text-black text-center md:text-left"><!--[-->Contact details<!--]--></h4><div class="flex flex-col gap-3 items-center md:items-start"><a href="mailto:[email protected]" class="flex gap-[0.62rem] text-base leading-normal font-bricolage text-black"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 21 21" class="min-w-[1.25rem] h-[1.25rem]"><g clip-path="url(#a)"><path fill-rule="evenodd" clip-rule="evenodd" d="M.464 1.752h20v1.93l-10 5.455-10-5.455v-1.93Zm0 3.828v12.84h20V5.58l-10 5.455-10-5.455Z" fill="#021C22"></path></g><defs><clipPath id="a"><path fill="#fff" transform="translate(.464 .085)" d="M0 0h20v20H0z"></path></clipPath></defs></svg> [email protected] </a><a href="tel:0208455909" class="flex gap-[0.62rem] text-base leading-normal font-bricolage text-black"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 21 21" class="min-w-[1.25rem] 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94,"Why do you need a mortgage broker?",{"id":646,"url":23,"linktype":113,"fieldtype":26,"cached_url":647},"d1350d64-d89e-42f3-8d64-b3533309baa6","expats/library/why-you-need-a-mortgage-broker-netherlands","\u003C!--#storyblok#{\"name\": \"BlogSlide\", \"space\": \"284734\", \"uid\": \"bfbf6a5e-13a4-4b5a-9244-eae127ff89a1\", \"id\": \"538374796\"}-->","Mortgage news for expats","BlogSlider","\u003C!--#storyblok#{\"name\": \"BlogSlider\", \"space\": \"284734\", \"uid\": \"d7e5f76e-c101-4785-a721-e52660d5299f\", \"id\": \"538374796\"}-->",{"_uid":653,"title":654,"margin":655,"component":656,"label_one":23,"label_two":23,"button_text":657,"background_color":658,"_editable":661},"d85c2365-d6ce-4ac3-ac05-54052b9c5a13","Calculate your maximum mortgage",[],"CalculateMortgage","Calculate",{"_uid":659,"color":660,"plugin":405},"ee435bc2-d149-4906-99a2-eda8e4171507","#f40000","\u003C!--#storyblok#{\"name\": \"CalculateMortgage\", \"space\": \"284734\", \"uid\": \"d85c2365-d6ce-4ac3-ac05-54052b9c5a13\", \"id\": \"538374796\"}-->",{"_uid":663,"text":664,"title":665,"component":666,"button_url":667,"button_text":668,"team_members":669,"_editable":674},"8c08d5bd-828b-4035-ab02-73550fad6c65","✓ 10+ years’ experience working with expats\n✓ Independent advisors with access to 40+ lenders\n✓ Guidance in English from start to finish","Meet our mortgage advisors","TeamSlider",{"id":356,"url":23,"linktype":113,"fieldtype":26,"cached_url":357},"Contact us today",[670,671,672,673],"c63ec8bc-92ef-4e04-af4b-3bdbe4e347f1","8faf849d-e325-49a8-af07-c75e2129fe95","405b7979-eb47-427d-b3eb-1e08053b978f","25561469-d07c-4caa-8552-e3e573e4a746","\u003C!--#storyblok#{\"name\": \"TeamSlider\", \"space\": \"284734\", \"uid\": \"8c08d5bd-828b-4035-ab02-73550fad6c65\", \"id\": \"538374796\"}-->",{"id":23,"url":23,"linktype":113,"fieldtype":26,"cached_url":23},"x-default",{"_uid":678,"title":679,"plugin":680,"og_image":23,"og_title":681,"description":682,"twitter_image":23,"twitter_title":23,"og_description":683,"twitter_description":23},"eeb16fb1-979e-4829-a3ef-5e01c3e81dd9","OHAO Independent Mortgage Advice For Expats ","seo_metatags","OHAO - Onafhankelijk, online en persoonlijk hypotheekadvies - OHAO","Looking for the best expat mortgage in the Netherlands? OHAO offers expert mortgage advice for expats from just €2,495. Contact us today!","OHAO - Wij zijn er voor jou. Wij richten ons volledig op het vinden van de best mogelijke hypotheek tegen een zo scherp mogelijk rente. Wij laten al 5 jaar zien dat dat wel kan tegen een scherp tarief. ","page",{"id":23,"url":23,"linktype":113,"fieldtype":26,"cached_url":23},"\u003C!--#storyblok#{\"name\": \"page\", \"space\": \"284734\", \"uid\": \"2fd797fd-221e-4ab6-9019-768d98dd36c4\", \"id\": \"538374796\"}-->","expats","expats/",70,[],538374795,"e34bf0a3-3aaa-4129-b138-a42c32a4290a","2024-04-14T15:33:58.587Z","default",[],1790863407,[],[],{"cache-control":700,"connection":701,"content-encoding":702,"content-type":703,"date":704,"etag":705,"referrer-policy":706,"sb-be-version":707,"server":708,"transfer-encoding":709,"vary":710,"via":711,"x-amz-cf-id":712,"x-amz-cf-pop":713,"x-cache":714,"x-content-type-options":715,"x-frame-options":716,"x-permitted-cross-domain-policies":717,"x-ratelimit":718,"x-ratelimit-policy":719,"x-request-id":720,"x-runtime":721,"x-xss-protection":325},"max-age=0, private, must-revalidate","keep-alive","gzip","application/json; charset=utf-8","Sat, 03 Oct 2026 11:13:25 GMT","W/\"cba1354f10b7815ff32035c7835f09a3\"","strict-origin-when-cross-origin","5.976.0","nginx/1.29.1","chunked","Origin,Accept-Encoding","1.1 b30e8d5c8b76c102ed260379b18e1d52.cloudfront.net (CloudFront)","SBCUQQMr4henUHAZ9wlHpNi4MCobNBXyXpBXrarHZzwelzAsPxDVTQ==","IAD55-P6","Miss from cloudfront","nosniff","SAMEORIGIN","none","\"space-concurrent-requests\";r=29","\"space-concurrent-requests\";q=30","c0f64975-2197-48af-9e8c-21c7e6321e8f","0.037206",{"reviews":723,"reviewCount":827,"overallScore":828,"error":10},[724,731,737,743,749,755,761,767,773,779,785,791,797,803,809,815,821],{"id":725,"rating":726,"content":727,"author":728,"date":729,"isoDate":730},"2026-09-27T00:19:29.89",5,"Excellent service from start to finish. Friendly, responsive, and always willing to help. All required paperwork was handled on time, and any questions were answered quickly by email. I particularly appreciated the extra effort in checking and assisting with documents beyond the agreed scope. His made the whole mortgage process clear and stress-free. Highly recommended.","L","27-09-2026","2026-09-27",{"id":732,"rating":726,"content":733,"author":734,"date":735,"isoDate":736},"2026-06-22T02:27:48.277","Luc has been amazing at helping us navigate all the procedures regarding our mortgage. He is quick to respond and is always available over call. We had a great experience with him. ","Balaaj","22-06-2026","2026-06-22",{"id":738,"rating":726,"content":739,"author":740,"date":741,"isoDate":742},"2026-06-04T11:46:44.167","Bart was an amazing advisor; especially, given my situation as an American expat. He made it clear on what the process would be, documentation, and even guided me through some portions to help me understand how to best approach the Dutch home buying process. Overall, I would recommend anyone to work with OHAO and Bart as he will take good care of you.","Isaac","04-06-2026","2026-06-04",{"id":744,"rating":726,"content":745,"author":746,"date":747,"isoDate":748},"2026-05-10T11:55:46.78","Working with Bart as our mortgage advisor was a great experience from start to finish. He took the time to understand our situation, explained everything clearly, and patiently answered all our questions along the way.\nBart is knowledgeable, responsive, and genuinely looks out for his clients' best interests. He turned what could have been a stressful process into a smooth one.\nHighly recommended!","Pouyan","10-05-2026","2026-05-10",{"id":750,"rating":726,"content":751,"author":752,"date":753,"isoDate":754},"2026-03-26T23:17:58.487","Luc Zwaan at OHAO provided top-tier service for our home purchase. He is knowledgeable, proactive, and very clear in his explanations of Dutch mortgage rules and tax benefits. Our mortgage was approved quickly and without any issues. If you want a mortgage advisor who is reliable and stays on top of every detail, Luc is the person to go to. 5 stars!","Mayur","26-03-2026","2026-03-26",{"id":756,"rating":726,"content":757,"author":758,"date":759,"isoDate":760},"2026-03-13T14:40:44.543","Toni was happy to help us out quickly and was able to secure a good deal for us. He helped us out regurarly with a bunch of questions.\n- From a happy customer and a first time home owner.","Gedeon","13-03-2026","2026-03-13",{"id":762,"rating":726,"content":763,"author":764,"date":765,"isoDate":766},"2026-02-26T12:07:36.46","Our mortgage application was quite complex and Tony helped us through it very well. He gave brilliant advice that really saved our mortgage and enabled us to buy a home.","Abdullah H","26-02-2026","2026-02-26",{"id":768,"rating":726,"content":769,"author":770,"date":771,"isoDate":772},"2026-02-18T17:47:30.487","Luc's advising is very professional, detailed, honest and tailored to what is the best for me. He covered all aspects that needs to be considered and explained everything thoroughly.\n\nHe is also always very fast in responding and managed to get my mortgage approved within 3 working days.\n\nDefinitely would highly recommend his services if you are looking for a reliable mortgage advisor.  ","Yinuo","18-02-2026","2026-02-18",{"id":774,"rating":726,"content":775,"author":776,"date":777,"isoDate":778},"2026-01-07T13:25:08.873","I had the pleasure of working with Luc to find a new mortgage, and refinance my existing one. His expertise made the process smooth and clear, answering all my questions promptly and securing a great rate. I highly recommend him for anyone navigating Dutch mortgages!","O.B","07-01-2026","2026-01-07",{"id":780,"rating":726,"content":781,"author":782,"date":783,"isoDate":784}
94,"2025-11-06T20:55:36.45","I had a very pleasant experience with OHAO, especially with Bart. He is great and truly an expert in his field—always responsive, supportive, helpful, and quick to provide any required information. The mortgage approval process was fast and smooth. I highly recommend OHAO if you’re looking for a quick, professional, and trustworthy service.","Maryam ","06-11-2025","2025-11-06",{"id":786,"rating":726,"content":787,"author":788,"date":789,"isoDate":790},"2025-10-05T23:11:37.053","Bart is very knowledgeable and very quick while helping us. He's already helped us with multiple mortgages and every time he knows exactly how to approach the process so that we get the highest chance for the bank to accept our request on the best possible terms. Highly recommended.","Alex","05-10-2025","2025-10-05",{"id":792,"rating":726,"content":793,"author":794,"date":795,"isoDate":796},"2025-08-18T14:11:14.797","Bart Kooijman was recommended to us and we had a great experience. He is a nice and friendly person and very easy to work with - available, proactive, friendly, and very good at explaining. He provided us with invaluable advice during the mortgage process. ","EM","18-08-2025","2025-08-18",{"id":798,"rating":726,"content":799,"author":800,"date":801,"isoDate":802},"2025-07-28T17:44:18.567","I have really appreciate Luc service! Gentle, accurate, fast, responsive, immediate, and tailor driven - that's all makes my experience with Luc just amazing. We have found a good mortgage provider very fast, I think, we have spent only 2-3 weeks for the whole process from A to Z. Really recommend this company and Luc as an adviser!","Aleksandr","28-07-2025","2025-07-28",{"id":804,"rating":726,"content":805,"author":806,"date":807,"isoDate":808},"2025-06-23T10:30:41.22","Luc was very informative, he made sure to explain everything I needed to know as a first time buyer.\nHe made sure to be available for all my questions and inquiries. The process went very smoothly, and approval was quite quick.","Reem","23-06-2025","2025-06-23",{"id":810,"rating":726,"content":811,"author":812,"date":813,"isoDate":814},"2025-06-19T09:33:31.023","Bart is such a great mortgage advisor. He is reliable, knowledgeable and explains every details to me with great patience. It is a very smooth process to get 2 mortgage applications approved! ","Melanie","19-06-2025","2025-06-19",{"id":816,"rating":726,"content":817,"author":818,"date":819,"isoDate":820},"2025-06-15T20:51:42.27","He helped us through the whole proccess, always helping us with our doubts and questions","F.N.S","15-06-2025","2025-06-15",{"id":822,"rating":726,"content":823,"author":824,"date":825,"isoDate":826},"2025-04-22T11:56:44.277","Toni was always helpful and reachable. He was very patient with us, explaining every step. My husband and I were in our probation period, and he was the only person who agreed to give us the mortgage statement, which gave us peace of mind. Highly recommended!","Maryam","22-04-2025","2025-04-22",854,10,["Reactive",830],{"$sreferralCode":10,"$slocale":831,"$s{\"version\":\"draft\"}expats/-state":290,"$ssite-config":832},"en",{"_priority":833,"env":837,"indexable":319,"name":838,"trailingSlash":119,"url":839},{"name":834,"env":835,"url":836,"trailingSlash":836,"indexable":836},-5,-15,-3,"production","ohao-preview","https://www.ohao.nl",["Set"],["ShallowReactive",842],{"global-menu":10,"{\"version\":\"draft\"}expats/":10,"advieskeuze-reviews-en":10,"testimonials-adviser-943f3583-1b37-4205-a536-9a0550bccf09":10},"/expats/"]</script>
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