As an expat, I would really recommend the service of a good Mortgage Advisor. Home in Holland team (Gerlof in my case) was the best option I could find after a deep analysis of the market. They were clear from the beginning with what I could expect, and what they would deliver to me. Frecuent interactions, clear clarifications of all processes and silly doubts that I could have were responded to almost immediately. What I liked the most was their proactivity in looking for the best deals with different mortgage providers. I received all calculations on time based on the last status of Euribor and for different approaches (variable, annuity, 5 years, 10 years, etc). To be honest, I felt we worked like a team, and this gave me a lot of confidence to make the biggest investment of my life. So, in short: 1) Mortgage advisor, yes or no? YES, for sure. Home in Holland is a great option? No doubt, YES.