This is not a short-term question, but I'm considering how to buy an apartment in the Netherlands while I'm living abroad. My plan is to use the property initially as a second home, because I am back frequently, and ultimately relocate into it permanently. This is not a rental mortgage situation.

I'm a Dutch permanent resident (not a citizen), currently not living and thus not registered in the Netherlands, and I plan to return well within the time I'm allowed to live outside the country. I of course have a BSN and a Dutch bank account, but since I'm not currently registered, Dutch lending institutions consider me to have "no ties" and won't engage.

I'm currently living in the US and working on a US contract. So I don't have EUR income from another EU nation, another potential block.

In my favor, I'm not planning on borrowing even close to the value of a property: I'd be borrowing within reasonable means. I have the reserves to pay for (say) 50% of a property value as cash. So the value of a loan required for an apartment is much reduced.

Dutch mortgage brokers have repeated various rules on mortgages, which seem drawn fairly tight: I could borrow if I was a citizen, but not as a permanent resident. So I've been trying to find international lenders or brokers who are able to have this conversation. Ideally folks that operate across the US and the Netherlands or possibly the UK (citizenship) and the Netherlands.

Finding those organizations has so far eluded me. Does anybody know of international lenders that operate in the Dutch market?