What’s a buy to let mortgage?

The investment mortgage (or buy-to-let mortgage) works differently than a residential mortgage.

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    A residential mortgage is for individuals who plan to live in the property. Residential buyers can get a loan up to 100% loan to value.

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    A buy-to-let mortgage is for individuals who plan to buy a home as an investment. A rule of thumb is that investors can get a mortgage up to 70% loan-to-value (LtV).

Buy to let mortgage requirements 2022
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    You must contribute 30 % of the property price from your savings or equity from an existing property.

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    You need to be registered and live+work in the Netherlands.

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    You must pay 8% of transfer tax and other closing fees (real estate agent, valuation report, notary, translator, and mortgage brokerage fees).

For example

Purchase price: € 315,000

  • Expected rental income: € 1,386

  • Required funds: € 100,350

  • Net return: 4.27%

  • Cash-on-Cash return: 2.76%

Purchase price: € 450,000

  • Expected rental income: € 1,698

  • Required funds: € 184,500

  • Net return: 3.81%

  • Cash-on-Cash return: 1.32%

Purchase price: € 600,000

  • Expected rental income: € 2,050

  • Required funds: € 264,000

  • Net return: 3.38%

  • Cash-on-Cash return: 1.15%

Receive a full buy to let mortgage report:
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    Maximum buy-to-let mortgage

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    Mortgage monthly payments

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    Buy-to-let closing fees

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    Cash and net return

Your buy to let journey with Mister Mortgage

During the 10-minute call, we discuss your eligibility and answer your questions. We invite you to our online mortgage portal.

10-minute intake call.

We set up a mortgage overview based on the uploaded documents.

30 -minutes analysis

We arrange a meeting to discuss possible mortgage lenders before submitting your  buy to let application.

45 - minute call

We manage all required communication with your mortgage lender.

Mortgage application

When your mortgage is approved, it is time to sign a mortgage agreement.

Mortgage approval

Your notary sends you a statement of completion with closing fees. In the Netherlands, you pay closing fees the day you visit the notary.

Closing fees

It's time to sign a mortgage deed at the notary. Congratulations, you became a landlord in the Netherlands.

Notary

Meet the team
Sezer Yilmaz
Managing Director & Financial Specialist
Egle Kemezyte
Growth Marketer
Robin Uijtdehaage
Commercial Director & Financial Specialist
Özkan Karakol
Financial Specialist