We had a lot of luck to hear about E.M. From couple of our friends that already had experience with Expat mortgages. Richardo, the agent, (and all the staff) was extremely helpful, effective and lead us throughout all the process in a smooth way, so we didn’t deal at all with the Dutch bureaucracy….(we don’t know even if there is any….(: Bottom line- we saved time and money and we’ve got the best deal from the bank thanks to Richardo. I can’t think how we could do it without of them. Thank you again Richardo, Sandra and all the staff!