Mortgage
Expats and a mortgage provided by Robuust
Robuust Hypotheken is a product that meets your changing housing needs during the term of the product. Do you temporarily live in the Netherlands for work? With Robuust, you can obtain a mortgage as an expat, knowledge worker, or person without the Dutch nationality.
Mortgage for expats
Independent advisor
We think it is important that consumers receive good advice. You can only take out a mortgage with Robuust through an independent mortgage adviser.
Aegon en Robuust
Robuust Hypotheken works with Aegon to make the money available for your mortgage. Aegon is a reliable partner with years of experience in providing mortgage loans.
Aegon en Robuust
Do you have your own business and do you want to obtain a mortgage? Via Robuust, you can – in many cases – obtain a mortgage up to a value of 90% of the residential property you wish to purchase.
EU national and residence permit
If you are a national of a European Union member state, Iceland, Norway, Liechtenstein, or Switzerland, then you do not need to provide a residence permit for an indefinite period. In principle, you can apply for a Robuust hypotheek mortgage under the regular terms and conditions as long as you have an income from employment if you are a national of one of abovementioned countries. As an expat, you can borrow a maximum of 100% of the market value of the residential property you wish to purchase and 106% if you also want to make it more sustainable immediately after purchase.
Non-EU national or temporary residence permit
If you are a national of a country other than those mentioned above or you have a temporary residence permit, then you will need an aliens’ document issued by the Dutch Immigration and Naturalisation Service or a sticker in your passport stating that you have:
- A residence permit for an indefinite period in the Netherlands; or
- An EU residence permit for long-term residents; or
- A document indicating ‘Stable residence in the Union; or
- A residence permit in the Netherlands for a non-temporary purpose of stay within the meaning of Article 3.5 of the Dutch Aliens Decree 2000.
30% facility for tax-exempt income
If you are entitled to the ‘30% facility’ and 30% of your income is tax-exempt, then we will take that income into account when calculating the amount of your mortgage. The regular gross income is not increased in this instance. In other words: the tax benefit may not be ‘grossed up’ and added to your gross annual income.