Your Independent Expat Mortgage Advisors

Buying a property as an expat can be a scary, time consuming and frustrating process. Depending on which country you are from, getting a mortgage in the Netherlands can be even more complicated than you are used to. Or if you’re a first time home buyer, then you may not even know where to begin. At Team Concepts, we understand these concerns. Over the last decade, we have helped people just like yourself successfully become homeowners in the Amsterdam region.

keys in hand

Simple and fast mortgage advice and guidance, personalized to your needs

By working with our experienced expat mortgage specialists, you avoid many of the pitfalls of trying to do it yourself. Instead of worrying about your mortgage being rejected, or paying too much for a mortgage, you can rest assured that we will help you to find the right mortgage and lender for your unique situation. 


At Team Concepts, we take the headache out of home buying by being your personal guide throughout the entire purchase process. Let us help you to make the Amsterdam region your new home.


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Arjen Hardesmeets

About Us

Arjen Hardesmeets and Paul Verbeek founded Team Concepts in 2003. Arjen graduated as an Erkend Hypothecair Planner in 2008. After graduating, he continued his professional development by becoming an independent mortgage adviser and being a good advocate for clients of numerous nationalities and backgrounds. He discovered how difficult it was for people who have recently moved to the Amsterdam region and surrounding areas to navigate the often complex process of the Dutch housing market. His passion for helping people along with his drive to make the dream of owning a home more accessible to expats motivated him to start Team Concepts. Arjen resides in Amsterdam and spends his free time with his friends and playing sports.