UK mortgages for Netherlands residents

Yes. Netherlands-based buyers — Dutch nationals, British expats in Amsterdam and international professionals across the Netherlands — can access UK mortgage products. Key points:

• Minimum deposit: typically 25% for a non-resident purchase.
• EUR income: euro-denominated salary, bonus and multinational package income is accepted. Lenders convert to sterling — the conversion rate and whether a haircut is applied varies between lenders and affects borrowing capacity.
• Non-resident status: Netherlands-based buyers without UK residency are processed as international buyers — equivalent to a UAE or Singapore buyer. Specialist lenders handle this as a standard non-resident case.
• British expats: UK nationals with a gap in their UK credit file from years in the Netherlands are assessed more holistically by specialist lenders — the credit gap is expected and does not prevent borrowing.
• Source of funds: deposits in Dutch banks — ABN AMRO, ING, Rabobank, Triodos — accepted with three to six months of statements.
• Advice process: conducted remotely — no requirement to travel to the UK.

The Amsterdam-to-London buyer flow is particularly strong in financial services and technology — sectors where international moves between the two cities are common and where professionals often maintain property in both. We handle Netherlands-based applications as part of our regular European caseload.

Amsterdam has become one of Europe's leading financial services and technology hubs — particularly following the post-Brexit relocation of financial institutions from London to Amsterdam. Many professionals in this sector maintain strong UK connections and buy in London as a second base or investment property. The lender criteria for this profile are well understood: EUR income from a major employer, Dutch bank deposits and no UK credit history are all handled as standard international buyer requirements by specialist lenders.

Lockhart Murphy is UK-based and regulated for UK mortgage business. We are not licensed or regulated in the Netherlands. This page does not constitute advice on Dutch law or tax matters.