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Covering Amsterdam and nearby areas
Amsterdam
Latest reviews for mortgage brokers in Amsterdam
Real, phone-verified reviews from the community.
10
Anonymous
Netherlands on Aug 2026
I hired Rayon to help us increase our mortgage so we could renovate our house. His task was to handle all the issues that came up, and that also meant giving advice on the proper documents we had to fill out and explaining why some documents, although they looked okay, they may not be accepted by the bank. He was very nice to work with, very courteous, and he was able to explain everything right. The whole process was approved by the bank in about a month to a month and a half, and the price felt fair.
9
Numan
Amsterdam on Aug 2026
I got in touch with Ramazan and his company for my mortgage advisory, and it was quite professional and he helped me a lot. Everything was so straightforward from the very beginning, he explained my situation, helped me understand what kind of houses I could go for, and got everything ready for the mortgage with a couple of different options from different banks. We met face to face a couple of times in the office and also talked online, which made it easier to go through the calculations and documents. In the end my bid was the winning one, and the price felt very fair.
9
Rudolph
Nievenheim on Jun 2026
I was referred to Ramon by friends for a mortgage application to buy a house. He was very quick to act and managed to get our application approved after we went directly to some banks and weren’t given any financing. Communication and responsiveness were great, even after hours, and overall I really appreciated his help. Price not so cheap, could be cheaper, but I would use him again, definitely.
How much do mortgage brokers cost in Amsterdam?
Real price ranges from the jobs our vetted mortgage brokers actually do. Updated July 2026
Expats and non-residents
How much does mortgage advice for expats cost in Amsterdam?
Foreign income and paperwork from another country make the file more complex, and complexity is what moves this price. Plan for the upper half of the Amsterdam range rather than the starter end, so somewhere between the €2,800 local average and the €4,480 top, though a straightforward salaried case can land lower. You pay the adviser directly and that fee is deductible on your Dutch income tax return, as long as the advice leads to an actual mortgage. Do not confuse it with the taxatie, notaris and NHG costs, which are separate line items paid to other parties.
Full advice and arranging, Amsterdam
€1,680 to €4,480
Amsterdam average
€2,800
First orientation meeting
€0
Valuation report (taxatie), separate
€400 to €700
First-time buyers
How much does mortgage advice for first-time buyers cost in Amsterdam?
Starters usually get the cheapest quote, because the file is simple: no house to sell and no existing mortgage to unpick. Expect roughly €2,000 to €2,500 for full advice and arranging, and some advisers quote a fixed starter tariff of about €2,850. The first orientation meeting is almost always free and without obligation, so you can ask what your own situation would cost before committing to anything. Remember the adviser's fee is separate from the taxatie, the notaris and any NHG premium, which are billed by other parties.
First-time buyer, full advice
€2,000 to €2,500
Fixed starter tariff
€2,850
First orientation meeting
€0
Valuation report (taxatie), separate
€400 to €700
Landlords and property investors
How much does mortgage advice for landlords and property investors cost in Amsterdam?
Our Amsterdam price guides cover advice on a home you will live in yourself, not buy-to-let, so there is no published fee we can honestly quote for landlord or investment advice. What they do show is that complexity drives the price, and an investment file sits at the complex end alongside self-employed income. As a rough anchor, full advice and arranging in Amsterdam costs about €1,680 to €4,480, and complex files land around €2,750 to €3,500 or higher. One thing worth checking with your adviser: the tax deduction that applies to advice on your own home is not something to assume for an investment property.
Full advice and arranging, Amsterdam
€1,680 to €4,480
Complex file, indicative
€2,750 to €3,500
Self-employed and freelancers
How much does mortgage advice for self-employed people cost in Amsterdam?
If you are a zzp'er or run your own company you will pay more, and it is not the adviser being difficult. Lenders ask for several years of accounts and tax returns, so the adviser spends more hours on your file and has to approach more banks to find one that is comfortable. Budget roughly €2,750 to €3,500 for full advice, or a surcharge of about €500 on top of a firm's standard tariff. Ask for a written quote before you start, because the gap between a simple file and a complicated one is real money.
Self-employed, full advice
€2,750 to €3,500
Surcharge on standard tariff
€500
Hourly rate
€80 to €175 per hour
Bridging loans
How much does arranging a bridging loan cost in Amsterdam?
None of our Amsterdam price guides puts a fee on arranging a bridging loan, an overbruggingskrediet, on its own, so read the figures below as the surrounding advice cost rather than a bridging price. Bridging normally comes up when you are buying before you have sold, which counts as a doorstromer file: more work than a starter, with the sale, the timing and any leftover debt to juggle. Advisers who quote a fixed tariff put that kind of file at around €3,350, inside a general range of €1,500 to €3,500. Ask for a written quote that says plainly whether arranging the bridging loan is included.
Full advice, buying before selling
€3,350
General full advice and arranging
€1,500 to €3,500
Full advice and arranging, Amsterdam
€1,680 to €4,480
Mortgage protection insurance
How much does mortgage protection insurance cost in Amsterdam?
Our Amsterdam price guides price mortgage advice, not the life cover that often goes with it, so we have no published premium to quote here. In practice advisers handle the cover as part of the wider file, and full advice and arranging in Amsterdam costs about €1,680 to €4,480, averaging €2,800. Ask for an itemised quote so you can see whether advice on the insurance sits inside that fee or is billed on top. Only a personal quote will tell you what the cover itself costs.
Full advice and arranging, Amsterdam
€1,680 to €4,480
Amsterdam average
€2,800
Mortgage search and comparison
How much does mortgage search and comparison cost in Amsterdam?
In the Netherlands you pay the adviser directly, so this has a real price tag rather than disappearing into your interest rate. In Amsterdam a full advice and arranging package runs about €1,680 to €4,480, with the local average around €2,800, roughly 12% above the national figure. An independent adviser who compares every lender usually costs €500 to €1,000 more than going straight to your own bank, and if you already know exactly which mortgage you want, execution only starts around €500. The fee is deductible on your income tax return, but only if the advice actually leads to a mortgage.
Full advice and arranging, Amsterdam
€1,680 to €4,480
Amsterdam average
€2,800
Hourly rate
€80 to €175 per hour
Execution only, no advice
€500 to €1,000
Negotiating with banks
How much does negotiating with banks cost in Amsterdam?
Submitting your file and steering it through the lender is the bemiddeling half of the job, and one price guide puts it at about 35% of the total, roughly €530 to €1,750. Most advisers do not sell it on its own: it sits inside the full package of €1,500 to €3,500, with the advice itself the larger share at around €830 to €2,750. If you have already chosen your mortgage and just want the paperwork handled, execution only costs about €500 to €1,000. The lender may add its own arrangement fee of €500 to €1,000, which is not money your adviser keeps.
Arranging and lender liaison
€530 to €1,750
Advice portion of the fee
€830 to €2,750
Execution only, paperwork handled
€500 to €1,000
Lender's own arrangement fee
€500 to €1,000
New-build and construction mortgages
How much does a new-build or construction mortgage cost in Amsterdam?
Our Amsterdam price guides do not price new-build or construction mortgage advice separately, so the numbers below are the general advice cost and should be confirmed with the adviser. A new-build file has more moving parts than a straightforward purchase, and complexity is exactly what pushes this fee up. As a starting point, full advice and arranging in Amsterdam runs about €1,680 to €4,480, averaging €2,800, and hourly rates sit between €80 and €175. Ask for a fixed quote in writing and check what happens to the fee if the build drags on.
Full advice and arranging, Amsterdam
€1,680 to €4,480
Amsterdam average
€2,800
Hourly rate
€80 to €175 per hour
Pre-approval
How much does mortgage pre-approval cost in Amsterdam?
A first meeting to work out what you can borrow is almost always free and without obligation, so getting an indication should not cost you anything. What you pay for later is the full advice and arranging package, which folds the maximum-borrowing calculation into one fee of roughly €1,500 to €3,500 nationally, or €1,680 to €4,480 in Amsterdam. If you only want a figure before you start viewing flats, say so on the phone and check that the meeting really is free. While you are asking, check the adviser holds an AFM licence, which is a legal requirement here.
First meeting and borrowing indication
€0
Rolled into full advice and arranging
€1,500 to €3,500
Full advice and arranging, Amsterdam
€1,680 to €4,480
Refinancing
How much does refinancing a mortgage cost in Amsterdam?
Switching your mortgage to a better deal, oversluiten, is usually cheaper than buying advice, because there is no purchase to manage. Reckon on about €1,000 to €2,500 for advice and arranging, with some advisers quoting nearer €2,800 since your current mortgage still has to be picked apart and compared. The adviser should calculate whether the switch pays off once the penalty interest, the boeterente, and the arranging costs are taken off, so ask for that in writing. If a fresh valuation and a new mortgage deed are needed, those are separate bills from the taxateur and the notaris.
Refinancing advice and arranging
€1,000 to €2,500
Typical adviser tariff
€2,800
Valuation report (taxatie), separate
€400 to €700
Notary mortgage deed, separate
€500 to €1,200
Frequently Asked Questions
What people want to know before hiring mortgage brokers in Amsterdam.
What should I check before hiring mortgage brokers in Amsterdam?
Read recent reviews, be clear about exactly what you need, and agree the scope and a price in writing before any work starts. For anything regulated, check the credential yourself rather than taking it on trust.
Are prices in Amsterdam quoted with or without BTW?
Check, because it varies. A price quoted to a consumer should already include BTW, and most trades do show it that way, but plenty of price lists are still written excluding it. The rate is 21% on most work, though labour on a home more than two years old is taxed at 9%, and so are things like sports and fitness classes. Look for the word "inclusief" or "exclusief" next to the figure before you compare two quotes, and ask whether travel costs and parking are in there too.
How do I check a business in Amsterdam is properly registered?
Every legitimate Dutch business has a KvK number from the Chamber of Commerce, and you can look it up free in the public register. For gas, heating and electrical work there are extra schemes worth asking about, mainly SCIOS and InstallQ. A business that will not give you its KvK number is a reason to walk away.
What is the most important thing to know before booking?
Be clear about what you want and get the price and scope agreed up front, so there are no surprises. Reading other people's reviews is the quickest way to find someone who does the job well and turns up when they said they would.
What should I avoid when hiring mortgage brokers in Amsterdam?
Avoid paying the full amount up front (a deposit can be fair), anyone who will not give a clear quote, and unusually cheap prices that get padded with extras later.
How do I find mortgage brokers I can trust in Amsterdam?
Check the reviews and any credentials before you book. On Locallista the reviews are phone-verified and the ranking is based on real experience, not who paid the most.