Which mortgage suits the expat best, depends on his/her lifestyle and personal circumstances.
With some Dutch mortgages, you have to start paying off the loan immediately along with the interest, whereas other mortgage types allow you to postpone repayments and only pay the interest instead.
In 2013 there were some important changes in the way mortgages are taxed, and therefor nowadays the only types of mortgages that are still eligible for the interest tax deduction (renteaftrek) are the annuities and linear mortgage models, whereby the loan needs to be repaid within 30 years via monthly repayments.
Alternative Dutch mortgage models are mainly variations on annuities and linear mortgages. However, if you take out one of these mortgage forms, you may no longer be entitled to mortgage tax relief.
Types of mortgages:
Annuities mortgage (annuïteitenhypotheek)
Linear mortgage (lineaire hypotheek)