Thursday 12.02.2026

Box 3 mortgages with Richardo (Hybrid event)

Join this hybrid event (possible to join online and live on location) and get a step closer to obtaining a mortgage and buying a property in the Netherlands.

Starting 17.30 Online

What can you expect from Box3 Mortgages Event?

If you’re wondering how the latest Box 3 tax regulations and mortgage strategies will impact your investments in the Netherlands, this hybrid event is for you. We’ve designed this session to give you a clear, honest look at the market.

We will start with a 30-minute presentation focusing on the essentials of Box 3 mortgages. We’ll dive into how your property assets are taxed, the latest changes in Dutch tax law, and how to structure your mortgage to remain tax-efficient. Additionally, we’ll discuss how you can leverage the “overwaarde” or equity in your current home to finance a second property, and what the 2026 shift – including the increase in the tax-free allowance really means for your bottom line.

Following the talk, we have dedicated 30 minutes for a live Q&A session. This is your time to get direct answers to your individual questions and ensure you have the specific clarity you need for your situation.

We’ll wrap things up around 18:30, but if you leave feeling like you need a deeper dive into your personal situation, don’t worry. You’ll have the chance to book a private follow-up meeting with us right then and there. We’re here to make sure you move forward with total confidence.

Live Location: Zandkasteel, Bijlmerplein 888, 1102 MG Amsterdam. When you enter the building (to the right of the Douwe Egberts café), you will be welcomed at the front desk.
Online: via Zoom.

Event form

Event-id

Event date time

First name *

Last name *

E-mail *

voorbeeld@voorbeeld.com

Phone *

Country code Phone number

How soon do you see yourself buying a property? *

In which area do you expect to buy? *

The event will be held in our office* (with drinks and small bites) and broadcasted online. As there are limited seats available for people to join in-person, we would like to ask how would you like to attend *(we will confirm your seat via email shortly after your registration). Please select the following: *

Live on location Online

I agree that my data will be stored and processed by Expat Mortgages B.V.for the purpose of providing me with information about the company’s services, along with the possibilities I have regarding obtaining a mortgage, by e-mail or phone.

Organisation

Organisation id

Speaker

Richardo Cruz Fortes

Richardo was born (in the early eighties) and raised in Amsterdam. All though he has Cape Verdean roots (both parents) he feels himself to be a real “Amsterdammer”. Besides that, Richardo is an AJAX supporter as well. As a real “Amsterdammer” is acquired to do he added more culture in his life when he married his wife Nihal with Moroccan roots. They have 4 children; two girls Zahara & Tamar, and two boys Zaki & Taha. Richardo joined Expat Mortgages in 2010 as an Administrative Assistant and made career for himself within the company. Richardo is Team Lead of the area The Hague/Rotterdam, but also responsible for the Sales department and since recent date also Partner. Richardo has a great drive to elevate the client journey and the services Expat Mortgages provides. Richardo welcomes you to watch/attend one of the monthly Webinars/Seminars so he can take you on the journey of buying a house in the Netherlands.

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