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              First flight from Eelde to Munich

              Eelde Airport secures two new summer routes

              A hydrogen bus.

              Lobbying for the North: Building a Hydrogen Valley

              An American Groninger in Madurodam

              Groningers have the best sense of humor in the Netherlands, study claims

              A band playing at a live concert

              Sold-out Eurosonic Noorderslag brings the best in European music to Northern Netherlands

              Groningen_station_hall

              Groningen landmark may be demolished as part of railway station redevelopment project

              Watch: A workplace that sells itself – CTO on working at Ocean Grazer

              Watch: A workplace that sells itself – CTO on working at Ocean Grazer

              Netherlands pledges more support for Ukraine

              Lidl to close its Assen city center store

              Groningen_bus_station

              Most regional train and bus service set to strike on Thursday and Friday

              Trending Tags

              • Lifestyle
                • All
                • Food & Drinks
                • Nightlife
                • Shopping
                • What's happening
                Groningen welcomes Qatar 2022 with cheer and criticism

                Groningen welcomes Qatar 2022 with cheer and criticism

                The anti Zwarte Piet protest in Emmen

                Emmen: Four people still detained after anti Zwarte Piet protest

                The inside of Forum Groningen

                “Let’s Gro” opens a discussion on the future of Groningen

                What about food in student city Groningen?

                Where to get knockout fries in the northern provinces

                Ukraine Food opens in Groningen

                Ukraine Food opens in Groningen

                Buses will no longer travel through the Grote Markt in Groningen

                Buses will no longer travel through the Grote Markt in Groningen

                “Tall Ships” Race coming to Friesland this week

                “Tall Ships” Race coming to Friesland this week

                Noorderzon festival returning to Groningen in August

                Noorderzon festival returning to Groningen in August

                Plans for extensive Kardinge residential expansion revealed

                Plans for extensive Kardinge residential expansion revealed

                Trending Tags

                • Culture
                  • All
                  • Dutch history
                  • Typical Dutch
                  Eurosonic Noorderslag

                  Eurosonic Noorderslag

                  Ending the Year with a Bang!

                  Ending the Year with a Bang!

                  It’s beginning to look a lot like Christmas

                  It’s beginning to look a lot like Christmas

                  A devastating defeat; an unexpected victory

                  A devastating defeat; an unexpected victory

                  Sinterklaas is Here!

                  Sinterklaas is Here!

                  A moment from NFF 2021

                  Noordelijk Film Festival 2022 has started

                  “Tall Ships” Race coming to Friesland this week

                  “Tall Ships” Race coming to Friesland this week

                  Noorderzon festival returning to Groningen in August

                  Noorderzon festival returning to Groningen in August

                  Drenthe FestiValderAa to celebrate its tenth anniversary in style

                  Drenthe FestiValderAa to celebrate its tenth anniversary in style

                  Trending Tags

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                    Watch: A workplace that sells itself – CTO on working at Ocean Grazer

                    It’s beginning to look a lot like Christmas

                    It’s beginning to look a lot like Christmas

                    People protesting on a street in Groningen.

                    Former Sugar Homes residents protest for return of withheld deposit

                    I’m not Black; I’m African

                    I’m not Black; I’m African

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                    MPs call for cap on foreign student numbers in order to ensure ‘accessibility’

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                    Watch: I’m 100% positive about my Groningen internship – Hanze international student

                    Common cold becoming too common

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                    Watch: We’re hiring internationals to help us with foreign clients – ACS Buildings CEO

                    “It really felt like a job and a responsibility”: A chat with the Groninger behind the Dutch Covid-19 News WhatsApp group

                    “It really felt like a job and a responsibility”: A chat with the Groninger behind the Dutch Covid-19 News WhatsApp group

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                      Watch: We’re hiring internationals to help us with foreign clients – ACS Buildings CEO

                      Watch: We’re hiring internationals to help us with foreign clients – ACS Buildings CEO

                      Small but mighty: TECNED is looking for internationals to help it grow

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                      “It is possible to get a mortgage immediately”: an interview with Margriet Zwanenburg of Expat Mortgages

                      The Northern Times by The Northern Times
                      March 3, 2020
                      in Lifestyle
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                      Expat Mortgages will be holding a housing and mortgage seminar for Internationals on 4 March in Groningen

                      by Thomas Ansell

                      Buying property is one of the most historically-embedded expectations of adulthood. Whilst major cities across europe and the world are becoming more and more expensive, regions such as the Northern Netherlands are more accessible than any large cities. This is especially true when it comes to the current economic conditions in the Netherlands; with historically low interest rates making it more affordable to get a mortgage.

                      We sat down with the Margriet Zwanenburg from Expat Mortgages to discuss house-buying, gaining a mortgage, and how to find help.

                      The Northern Times: How soon could someone get a mortgage after moving to the Netherlands?

                      Margriet Zwaneburg: “Almost immediately! Sometimes a bank will tell people that they need to live here for at least six months, but that’s only a company policy. There are lots of other providers that would be able to help as soon as you have an income and BSN number here. Another thing people often think is that they need a permanent contract, but employers can write out a statement of intention, which works in place of a permanent contract.”

                      TNT: What sort of mortgages are available in the Netherlands? And are there any hidden costs?

                      MZ: “You can get a mortgage for 100% of the value of your property, but you do have to cover the buyer’s costs yourself. These are normally between 5 and 6 per cent of the purchase price. People often don’t know that your one-time costs are tax-deductible, and that the interest you pay on your mortgage is also tax deductible at this time.”

                      TNT: Do you have any tips for speeding up the process?

                      MZ: “In general, there aren’t too many limits on internationals buying a property. It may be beneficial to bring some readily-accessible money, because you can then put this forward towards the mortgage and begin with a lower interest rate. Any money you contribute up-front means that you are a lower risk for the provider, so you will be able to move forward, faster.”

                      TNT: How can Expat Mortgages help?

                      MZ: “Well, despite how accessible getting a mortgage in the Netherlands as an International is, the process can be quite complex, and not entirely easy to follow if you are neither a Dutch speaker or experienced with the mortgage process. In our first meeting, though, we will explain everything about the mortgage and property-buying process. We will help you check for the best conditions and rates- we’re well-placed to do this because we are a mortgage broker ourselves, and we will translate the offer into English for you too.”

                      TNT: And how could someone access the tax-relief on my mortgage?

                      MZ: “We can help with that too! We’ve got a great network of tax advisers and financial specialists that can help you with the tax rebate on your one-time costs, and also give you advice on claiming back your interest. Finally, we always try to accompany our clients to the notary to celebrate the new house!”

                      TNT: What about if I have some quick questions?

                      MZ: “We have an upcoming workshop on the house-buying process on March 4 in the city of Groningen at the Launch Café starting at 17:00 hour, but we are also present at the International Welcome Center North most Monday’s, between 10:00 and 14:00”.

                      Margriet Zwanenburg will be presenting an expat mortgages workshop on March 4 at the Launch Café in Groningen (Herstraat 106), from 17:00 to 19:00, and thereafter every first Wednesday of the month (also at the Launch Café). To sign up, just head to the Expat Mortgages website, and to check when Margriet will be present at the IWCN (Gedempte Zuiderdiep 98) in Groningen, check out the IWCN website.

                      Tags: expat mortgage advisershousing
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                      NorthernTimes.nl is an English-language news site for internationals and anyone interested in news and activities in the three northern Dutch provinces of Groningen, Friesland and Drenthe. The website provides daily coverage and summaries of local news in the north, as well as human interest stories, backgrounds and a regional events calendar. The Northern Times is an initiative of the International Welcome Center North in cooperation with Persbureau Tammeling BV, which owns and operates the website.

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