Property finance in the Netherlands.
The Netherlands has a functioning domestic short-term market — an established bridging product, less institutionalised than the UK but genuinely available — alongside development and investment finance. We arrange these for corporate and SPV borrowers, whole of market.
By Dominic Whitecross, Co-Founder, HyLend. For corporate and SPV borrowers.
How lending works in the Netherlands
The Netherlands is one of the few continental markets with its own established bridging product. It is less institutionalised than the UK market and works somewhat differently, but it genuinely exists — which puts the Netherlands ahead of most of the continent for short-term, exit-led finance.
Development and investment facilities are also available, and as everywhere in Europe the structure and the lender universe matter more than any headline rate.
What we arrange in the Netherlands
Across the whole of market, always via a lender licensed or permitted in the Netherlands, we arrange the same families of facility we do in the UK — structured to how the Netherlands actually lends:
- Short-term / bridging where an international or private lender supports it, at higher minimums than the UK.
- Development finance for corporate developers, against cost and value with staged drawdowns.
- Investment and term facilities to hold income-producing assets, typically the most available product locally.
- Specialist and structured capital — equity, mezzanine and larger raises on complex or cross-border mandates.
How we work on a the Netherlands deal
We arrange and introduce; we are not a lender. Facilities are arranged with lenders licensed or permitted in the Netherlands, and local legal and tax advice is taken in-country as a matter of course.
Corporate and SPV borrowers, on non-regulated purposes. We do not act for individuals buying residential property for their own occupation in the Netherlands or anywhere in Europe — that work is regulated locally and a regulated broker in-country is the right route.
We will tell you early if a deal is not placeable. HyLend Limited is a UK credit broker and does not hold or claim authorisation to conduct regulated credit intermediation in any EU member state.
What to send us
The location and asset, the borrowing entity and where it is incorporated, the amount and term, and the exit. If a local bank or lender is already involved, tell us. We will come back on whether it is placeable, roughly where pricing sits, and what the structure needs to look like — before anyone spends money on fees.
the Netherlands property finance FAQs
Can you get a bridging loan in the Netherlands?
Yes — the Netherlands has a functioning domestic bridging market, genuinely available, alongside development and investment facilities. We arrange for corporate and SPV borrowers, whole of market.
Do you lend to individuals buying a home in the Netherlands?
Yes, for corporate and SPV borrowers on non-regulated purposes. We do not act for individuals buying a home for their own occupation — that is regulated locally and a regulated broker in-country is the right route.
Is the Dutch bridging market like the UK's?
It is established and genuinely available, but less institutionalised and structured somewhat differently. It is still one of the more accessible short-term markets on the continent.
What borrower structure is needed?
Corporate or SPV ownership on non-regulated purposes, with local legal advice taken in-country as standard.
Currency: the cost line most borrowers miss
On a Netherlands deal, the exchange rate can move the economics more than the loan margin does — deposits, drawdowns, interest and the eventual exit all cross currencies, and banks rarely price that well. We work closely with Total Currency Exchange, a UK currency specialist whose payment services are provided through FCA-authorised partners, for competitive rates and properly managed transfers on cross-border deals.
Want an introduction? Tell us when you send the deal — or ask us directly — and we will connect you personally rather than leaving you to a web form. We do not provide currency advice; timing and hedging decisions remain yours with your FX provider.
How the property will be valued
Valuation practice is national, not European, and the differences are not cosmetic. In the Netherlands a taxatierapport is standard, with residential reports commonly validated through the national validation institute before a lender will accept them.
Two things hold true across every market we work in. The valuer is instructed by the lender and reports to the lender, not to you, whoever pays the fee. And the figure the lender applies its leverage to may not be the market value in the report — several European lending regimes work from a deliberately conservative value beneath it, in the same way UK lenders use restricted marketing period figures.
Build the valuation into the timetable rather than treating it as an administrative step: on cross border commercial deals it is routinely the longest single item. The full valuations guide →