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Access 40+ mortgage lenders in the Netherland

Whether you are an expat settling into life in the Netherlands or a local who has come across our services, we are here to help you navigate your mortgage options with clarity and confidence.

We match you with the mortgage lender that best fits your budget, timeline, and long-term homeownership goals — and that does not have to be your current bank.

How many mortgage lenders does OHAO work with?

We work with and actively compare the latest interest rates from over 40 mortgage lenders across the Netherlands. That is not just a number — it is real choice and real flexibility for you.

Thanks to our wide network of partners — from major banks and pension funds to insurers and niche lenders — we can find mortgage products and conditions that truly fit your situation, not just the standard offers from your current bank.

What sets us apart is our ability to negotiate and compare across the market, something many brokers simply cannot do. While others may offer a limited selection, we bring you a full market view, so you get the most competitive deal available — no matter if you are started, moving homes or looking to refinance.

Why should you compare multiple mortgage lenders?

Many people believe that you can only get a mortgage through your own bank — but that is a common misconception, especially if you are used to how things work in your home country. In the Netherlands, the mortgage market is very different.

Your bank can offer just one product — typically a single interest rate — while we compare multiple lenders, rates, and conditions to find the best deal for you.

Do I need a mortgage advisor?

Yes, you do — and here is why. Buying a home can feel overwhelming, especially if you are an expat, self-employed, or dealing with a more complex situation. A mortgage advisor can make the entire process easier, faster, and much less stressful. Here is how we can help:

  • More choices: your bank only can offer you its own mortgage products. We compare over 40+ mortgage lenders to find the most competitive interest rates and the most favorable conditions for your situation.

  • Save time: we take care of the paperwork, speak directly with lenders, and help you avoid mistakes. If your application is declined, we act quickly to find the next best solution — so you do not lose time or opportunities.

  • Competitive rates from €2,494
  • Expat mortgage brokers

Reviews from our happy clients

Every day, we strive for 5-star service, as this is the minimum for us. That’s why we are so proud of the feedback we receive from our customers:

Luc was very informative, he made sure to explain everything I needed to know as a first time buyer. He made sure to be available for all my questions and inquiries. The process went very smoothly, and approval was quite quick.

Reem

6/23/2025

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

6/19/2025

He helped us through the whole proccess, always helping us with our doubts and questions

F.N.S

6/15/2025

Fijn gesprek, goede begeleiding, betrouwbaar en snelle afwikkeling..Dank je wel Luc!

Renu

5/2/2025

Erg prettig en snel geholpen door Bart en vervolgens tijdens zijn vakantie door Toni. Wij zouden OHAO zeker aanraden!

R.R.

4/5/2025

Fantastisch geholpen door Luc! Bij OHAO denken ze echt met je mee. Ze helpen je niet alleen met het vinden van een passende hypotheek, ze kijken ook hoe dit het beste aansluit op jouw wensen en situatie.

Fabian

3/26/2025

Wij hebben de samenwerking met adviseur Toni en OHAO als zeer prettig ervaren. Toni is deskundig, reageert snel op vragen en heeft ons van het juiste advies voorzien.

RS

3/26/2025

He is always around to help. and you can make sure that you will nost miss anything

Matt

3/18/2025

Proffessional, knowledgable, helpfull, reachable,

anonymous

1/25/2025

Toni is erg behulpzaam en denkt mee met de klant. Hij antwoord snel en duidelijk op alle vragen. Top service!

MGG Barraco

1/7/2025

Super goed geholpen door Luc. Vanaf het begin tot eind super behulpzaam en alles duidelijk uitgelegd! Wij bevelen hem zeker aan en als we in de toekomst weer hypotheek advies nodig hebben zullen we zeker weer aankloppen!

Elise

1/2/2025

Toni was heel behulpzaam en meedenkend. Ik raad OHAO aan.

Altay

12/20/2024

Really supportive and professional to get the best one for me. My case could be special, thanks to his service, I am happy with the result.

Cindy

12/11/2024

Bart was so helpful, would recommend him to anyone! He took the time to explain every aspect to me and I couldn't have done this process without him. Thank you Bart!!!

Rachael

12/10/2024

Toni helped us secure a mortgage, guarantee, and life insurance for our first house in the Netherlands. He was patient, guided us in a way that gave us agency and kept us informed, and was fantastic throughout the process!

Kasia L.

12/6/2024

Luc is een zeer goede adviseur met een hele prettige manier van samenwerken. We hebben deskundig advies gekregen over onze vrij complexe casus en daarbij een passende financiering gekregen.

I. H.

12/6/2024

Ik ben zeer goed geholpen; de service was snel, duidelijk en professioneel. De hypotheekadviseur nam de tijd om alles helder uit te leggen en al mijn vragen te beantwoorden.

Wouter

12/4/2024

Luc was extremely helpful from beginning to end. He gave us all the inputs necessary to have the smoothest process possible. Thanks, Luc.

Lucas

10/14/2024

Zeer professionele begeleiding tijdens de aanvraag van de hypotheek. Bart neemt uitgebreid de tijd om je zo goed mogelijk te informeren. Daarbij is hij erg prettig in de omgang, zeer flexibel en reageert hij altijd snel.

Wessel

10/12/2024

Bart was super helpful to make the best choice and he also explained to me all the details and different information around the dutch mortgages. OHAO was well recommended by a friend and I couldn't be happier about it!

Lucas

9/15/2024

OHAO heeft mij uitstekend geholpen in het gehele financieringstraject. Als starter had ik veel vragen, die snel en vakkundig werden beantwoord. Binnen twee weken was de aanvraag van de hypotheek geregeld. Toni en Luc, bedankt!

RB

9/8/2024

Toni helped me answering all my questions quickly from start to end. I got all the documents sorted out easily and the whole process went very smooth. Highly reccommend.

Simone

6/28/2024

Luc heeft supergoed ondersteund in het verkrijgen van een hypotheek en verschafte mij met al de benodigde informatie.

Hans

5/23/2024

Meet our team

Our mortgage advisors are here to help you get a clear insight into your mortgage options when you plan to move. We help you understand your situation and decide what makes the most financial sense.

Bart Kooijman

Adviseur

Luc Zwaan

Adviseur

Toni van der Flier

Adviseur