OHAO — Independent mortgage advice that works for you
OHAO is an independent mortgage advisor working with major Dutch banks and a network of 40+ mortgage lenders, giving you access to the best mortgage rates and conditions available in the Netherlands.
About OHAO
Navigating the Dutch mortgage system can be challenging — especially if you are new to the Netherlands or your financial situation doesn’t fit standard criteria.
Since 2015, OHAO has helped many expats understand how Dutch mortgages work. Our mortgage advisors guide you through the process, requirements, and lender comparisons in a clear, transparent, and stress-free way.
Whether you are:
- buying your first home,
- moving to a larger property,
- renovating,
- refinancing,
- or planning life changes, such as divorce or relocating abroad,
OHAO provides tailored mortgage advice that fits your personal situation.
Access to 40+ mortgage lenders
What truly sets OHAO apart is our access to a wide range of lenders. We compare mortgages from over 40 banks and non-bank mortgage lenders, giving you far more choice — and a much better chance of finding the perfect match for your situation.
Transparent fees you can trust
OHAO is known for its clear and transparent pricing, among the lowest in the market.
- Advisory fee starting at €2,495
- Tax-deductible
- Communicated upfront
- Same fee for everyone — Dutch and expats alike
- No hidden costs, no surprises
A reputation built on trust and quality
Our commitment to honest, clear advice is reflected in outstanding client satisfaction.
Our results:
- ⭐ 9.9 rating on Advieskeuze
- ⭐ Numerous 5-star Google reviews from Dutch and international clients
Our clients who work with OHAO’s mortgage advisory team value the supportive, personal, and professional guidance they receive throughout the process.
A strong expat network
With over 10 years of experience working with expats, we also connect you with trusted partners who support your full homeowner journey, including:
- Appraisers
- Notaries
- Real estate agents
- Tax advisors
Why work with OHAO?
The Dutch mortgage process is very different from what many expats are used to. With so many lenders in the Netherlands, even small differences in interest rates can have a major impact on your monthly payments and long-term costs.
OHAO works for you — not for the banks. Our experienced mortgage advisors compare all relevant options to find the mortgage rates and conditions that best fit your financial situation.
📞 The best way to get to know us? Schedule a free, no-obligation call with our mortgage advisors. In a short conversation, you will learn what your mortgage options are in the Netherlands and which steps to take next.