Mortgage above a million in the Netherlands

Properties over a million have become more and more popular in the Netherlands. The application process and requirements are different for a high-risk mortgage.

 A principal amount varies per mortgage lender. Besides, not all lenders offer loans over € 750,000. For example, if the property is worth more than € 1000,000, the lender could finance between 80-90% of the market value.

Mortgage application process

It takes more time to approve a higher mortgage than a regular mortgage due to the risk factors. Other circumstances such as savings, investments, or additional properties add extra work to the mortgage application process.

On average, mortgage applications for over a million can take from 4 to 6 weeks. Many lenders assess high-risk mortgage applications separately. High-profile mortgage applications are discussed with a credit committee or top risk management team.

To secure a mortgage of over a million, you must afford it. Find out more about how to buy a property over a million or contact the Mister Mortgage team.

Fixed price- no hidden fees

€ 3999

  • Tax-deductible
  • Financial analysis
  • Brokerage
  • Financial advisory
  • Documents translated into English
  • Term life insurance
  • General insurances
  • Asset planning

High-Value Mortgage Experts

Sezer Yilmaz

Robin Uijtdehaage