You came to the Netherlands to build a life. We help you put down roots.

Leap Finance helps expats and internationals buy a home in the Netherlands. That home is more than a mortgage. It is the moment "I live here for now" turns into "this is my home". We know the rules that apply to you, compare a broad network of banks, and guide you from the first conversation to the keys.

Independent
Own AFM licence
Specialists for internationals
In English or Dutch
Schedule a no-obligation consultation See how we help
500+ Satisfied clients
Broad Network of banks & insurers
4.9/5 Client rating

Settling, not just living

Renting feels temporary. Even after five years.

You have built a life here. Your career is going well, you know your neighbourhood, your kids go to school down the road. And yet you live in someone else's house, on a contract that runs out every year. Owning a home changes that. It is not an investment you make on the side. It is how you truly make yourself at home here.

Rayon Aquino, mortgage advisor for expats and internationals

The gap between a six and a nine

Same job, same bank, tens of thousands of euros apart.

Not every bank treats your situation the same way. One lender counts only your taxable income, another looks at your full package including the 30% ruling. That difference alone can mean tens of thousands of euros in borrowing power. A fixed-term contract, foreign income, a visa: where many advisors settle for a six, we know which bank will say yes, and we keep going until we reach the nine that truly fits your situation.

In plain language

We make the Dutch system clear.

We know the rules that apply to internationals, we speak your language, and we compare a broad network of banks to find financing that genuinely fits. You focus on your life here. We handle the rest.

Find out what is possible

Why are you here?

Why are you here?

For internationals

Buy a home of your own and anchor your life here. We make the Dutch system clear and the financing fit, in English or Dutch.

Find out what is possible

For employers

You invest heavily in international talent. The top reason they leave? They never put down roots. We help your people settle, and rooted talent stays.

Read more for employers

For financial advisors

A complex expat file calls for specialist knowledge. Refer with confidence, or work with us. You keep the relationship, we do what we do best.

Become a strategic partner

The journey

From first meeting to keys

1
Introduction meeting (free)

We discuss what you want to achieve and explain what's financially possible.

2
Financial analysis

We map out your complete situation, including future plans.

3
Tailored advice

We compare a broad network of banks and give clear advice with pros and cons.

4
Mortgage application

We handle the application and are your point of contact with the bank.

5
Valuation & inspection

We coordinate everything. You just need to be available.

6
Offer & agreement

We check the offer, explain everything and answer final questions.

7
Notary & key handover

The final step! We guide you until the key is yours.

Ready to take the first step?

Start with a free consultation

What clients say

4.9
Based on 127 reviews
Top rated advisor
Avg. 6 weeks to keys
Ongoing clients after mortgage
MK
Mark & Kim
First home, Amsterdam

"With Rayon by your side, it feels like someone is standing next to you who truly thinks along with you. Absolutely recommended."

JV
Johan V.
Refinancer, Utrecht

"Rayon is personally involved, knows the market inside out and is completely focused on results."

SB
Sandra B.
Refinancer, Rotterdam

"Rayon calculated everything down to the euro. I now save EUR 280 per month!"

DP
David P.
Expat, The Hague

"As an expat, Rayon explained everything step by step. Within 8 weeks I had the key to my first home."

Ready to truly make the Netherlands your home?

A first conversation is free of obligation. We look together at whether there is a match. No commitments, no standard pitch.

Call directly: 06 1398 1923
No-obligation strategy consultation
Independent and personal
Reply within 24 hours
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