Expat Mortgage - Netherlands
The Netherlands - particularly Amsterdam and The Hague - hosts a significant British expat community in financial services, technology, energy (Shell, SBM Offshore), international organisations (NATO HQ, International Court of Justice, Europol), and international trade.
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What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
UK mortgages from the Netherlands
CRD VI caused Skipton International to withdraw from Dutch-resident applications in March 2026. HSBC Expat and Molo Finance are the primary current alternatives.
The options available
Post-CRD VI Alternatives
HSBC Expat and Molo Finance are the primary lenders for Netherlands-resident expats following Skipton's withdrawal. The brokers we introduce also have access to specialist channel lenders not publicly marketed. Contact us to be introduced to a specialist who can confirm the current Netherlands lender shortlist.
EUR Income - Well Accepted
EUR income is well-accepted by specialist UK expat lenders. 10-20% haircut applied. Netherlands salaries (particularly Amsterdam financial sector) are high - the EUR haircut rarely removes affordability.
Shell Netherlands
Shell's global headquarters are in The Hague. Shell employees in the Netherlands are well-recognised by specialist UK expat lenders. USD and GBP-denominated Shell compensation packages are particularly favourable.
NATO and International Organisations
NATO HQ (Brussels, but significant Dutch-based presence), International Court of Justice, Europol, and other international organisations in The Hague pay USD, EUR, or GBP salaries - well-accepted income types.
Amsterdam Financial Sector
ING, ABN AMRO, Rabobank, Booking.com, ASML, and other Amsterdam-based financial and technology employers. EUR income from major Dutch employers is well-understood by specialist lenders.
30% Tax Ruling Holders
The Netherlands' 30% tax ruling reduces the taxable income for qualifying expats. This means net income is higher than the stated gross salary. Specialist UK expat lenders experienced with Dutch applicants understand this structure.
How We Help
Current lender position confirmed
Your specialist broker verifies the current Netherlands lender shortlist - post-CRD VI this has changed. Skipton unavailable, alternatives confirmed.
HSBC Expat vs Molo comparison
Primary alternatives compared for your income, loan amount, and property purpose.
Documentation
Dutch payslips, ABN AMRO/ING/Rabobank statements, employer letter in English, passport, BSN number and Dutch address evidence.
Completion
Remote management. CET (UTC+1) timezone.
Speak to our international mortgage specialists
Call 0204 6211776 · Introductions to specialist expat brokers · All expat locations
For current pricing, lender appetite and how income is assessed, see our guide to expat mortgage rates for Netherlands residents.
Frequently asked questions
Can I get a UK mortgage while living in the Netherlands?
Yes - HSBC Expat and Molo Finance both remain active for Netherlands-resident applications following Skipton International's March 2026 CRD VI withdrawal. EUR income is well-accepted with a 10-20% haircut. The specialist broker confirms the current lender shortlist and best terms at the time of your enquiry.
How does the Dutch 30% tax ruling affect my UK mortgage assessment?
The Dutch 30% ruling reduces your Dutch taxable income, meaning your net income is significantly higher than the gross salary suggests. Specialist UK expat lenders experienced with Dutch applicants may be able to assess income at the gross level or use the actual net payment evidenced by bank statements. The brokers we work with advise on how to present the 30% ruling structure to the most appropriate lender.
I had a Skipton International mortgage as a Netherlands resident - what should I do?
Your existing Skipton mortgage continues on current terms. When your fixed rate expires, Skipton cannot offer a product transfer for EU-resident customers. Plan to remortgage to an alternative lender (HSBC Expat or Molo Finance primarily) 6-12 months before your rate end date. Contact us to start the planning process.
What Dutch bank statements do UK lenders accept?
ING, ABN AMRO, Rabobank, SNS Bank, Bunq, and international banks operating in the Netherlands (HSBC Netherlands, Citibank) are all accepted. Six months of statements showing regular salary credits in the account from which the mortgage direct debit will be paid.
Can Shell Netherlands employees get UK expat mortgages?
Yes - Shell is one of the most widely recognised major employers by UK specialist expat lenders. Shell employees in the Netherlands receiving USD or GBP-denominated salaries have particularly favourable assessment. EUR-denominated Shell salaries also well-treated (10-20% haircut).