Hi, I'm Jozef. I sort out Dutch mortgages for people who didn't grow up here.
Navigating the Dutch housing system can be daunting, but you don't have to do it alone. Drawing on my experience as a financial expert at an international bank and my time at the Ministry of Finance, I know this system inside and out. I've been on both sides of the desk, and now I'm entirely on your side.
Why I do this work.
After living most of my life abroad, I bought my first home in The Hague in 2022.
You'd think being a finance professional would make the process easy. It didn't. I dealt with multiple Dutch mortgage brokers who gave contradictory advice and lacked a client-first mindset.
Realizing the system was broken for expats, I decided to change it from the inside. I took matters into my own hands, passed the state-legislated exams, and became an approved financial advisor.
Now, my goal is simple: to protect and guide foreigners navigating the Dutch housing market, offering the honest, client-focused support I wish I'd had.
“Mortgages aren't complicated because the maths is hard. They're complicated because the maths is in another language.”
I work with first-time buyers, ZZP'ers, refinancers, non-EU permit-holders, and the occasional brave soul moving from Amsterdam back to the countryside. Most of my clients find me through word of mouth and maybe the same friend-of-a-friend chain that brought you here.
Boring details that matter.
Anyone advising on Dutch mortgages must hold Wft (financial supervision act) qualifications and be listed on the AFM register. Verify mine anytime.
Four principles.
These are the rules I apply to every file. I'd rather lose a client than break one.
Plain English, always
If a Dutch term is in the room, I translate it. Everything needs to be clear to you, the client.
Show the working
Every recommendation comes with a written breakdown of which lenders I considered and why I didn't pick the others. No black boxes.
One fee, no commission
I get paid the same regardless of which lender we choose. Clean alignment is the foundation of independent advice.
Slow when it matters
I'd rather take an extra week to understand your situation than push you toward a faster yes from the wrong lender.