Joyce is born and raised in a small village called Egmond alongside the Dutch coast. After living in Amsterdam for three years she decided to move to Jakarta together with her husband.
Joyce holds a bachelor degree in Business Administration and added an international flavor to her studies by adding two internships in both South-Africa and Ethiopia.
After her studies she worked on various mortgage related assignments for several big Dutch banks. The knowledge of mortgages and her own expatriate adventurous made her decide to join the Expat Mortgages team, where she enjoys helping customers from all over the world on a daily basis.
In her spare time she likes to play tennis, visit beautiful places around the world and to be together with family and friends.
Joyce Pepping
Consultant Aftersales
Expat MortgagesYou can read below some testimonials of Joyce’s clients
Phuc Ngo - Employer: Backbase
15-05-2022 - Vietnam
Mira Makkinje & Adis Djuheric helped me through out the journey to buy a house. I'm really happy that I can finally settle in The Netherlands even though buying a hous...
Ishu - Employer: JDE
10-05-2022 - India
They are super professional. They know everything about mortgage and how it works in Netherlands. they share each and every detail of the process. As an expat this is su...
David - Employer: Pharmaceutical Industry
09-05-2022 - France
Very good and professional approach of the team, well appreciated for a foreign new owner. Good advices and follow up.
George - Employer: Anonymous
09-05-2022 - Romania
With expat Mortgages you will not only get help to purchase your new home advising you with estate agents where you want to buy and taking care of the bank mortgage, b...
Tyler - Employer: Anonymous
06-05-2022 - Canada
Expat Mortgages has helped me go from being just curious about the type of mortgage I was able to get to finalizing the sale of my first home. They were extremely helpf...
Aleks & Ann - Employer: Radbound University
03-05-2022 - Georgia
Expat Mortgages have made our dream come true) Thanks to Roy and Adis who walked us through this complicated process! The communication was extremely fast and helpful,...
Lilia & Dimitris - Employer: Danone
03-05-2022 - Italy and Brazil
Buying a house in a country that is not your home town and with a different language is difficult. However with the help of Expat mortgages was easier and les...
Marcela - Employer: Aquent
30-04-2022 - Italy and Brazil
It was an incredibly pleasant experience working with Expat Mortgages. Kishan and Robert were amazing, extremely professional and kind. There's no bad wea...
Alex & Helen - Employer: Uber
29-04-2022 - Australia
Mira and the team at Expat Mortgages were fantastic. They made the whole process very straightfoward and were quick to answer all of our many, many questions. Thanks...
Hasan - Employer: Friesland Campina
28-04-2022 - Pakistan
We had a great experience with Expat Mortgages. We did not expect the whole process to be so smooth and stress free. David Ocampo (our consultant from Expat Mortgages...
Vlad & Irina - Employer: Surfly
11-04-2022 - Ukraine and Romania
We really enjoyed Joey and Debby's support in our home search and mortgage journey. They've always been very responsive, friendly, and simplified the less...
Alyona - Employer: Mambu
07-04-2022 - Ukraine
Expat Mortgages (special thanks go to Simon and Debby) did an absolutely great job assisting me with the mortgage. Simon ensured to get me the best interest rate possi...
Alain & Gijsje - Employer: Anonymous
07-04-2022 - the Netherlands
Great experience with Expat Mortgages. Roy and Debby have taken us through the entire process of buying our house up until signing at the notary. Where other...
Clémentine & Johan - Employer: Albelli and Basic-Fit
02-04-2022 - France
Today we celebrate the 1 year of our purchase, Expat Mortgage advised us, helped us and this until the signature of our purchase. It was a great experience, which conti...
Yichao & Thomas - Employer: Anonymous
01-04-2022 - China & the Netherlands
We are very satisfied with our experience with Expat Mortgages. Fred and Hans were very helpful and professional, thus all our questions and concerns w...
Nenad & Diana - Employer: Anonymous
31-03-2022 - Slovenia
A huge thank you for your help and support that was provided during our mortgage application. Being an expat and not understanding Dutch mortgage system and language...
Jenny - Employer: Booking.com
29-03-2022 - England
We purchased our house in the new year through Expat Mortgages as recommended by my employer. From the first meeting we were super happy with the service by our Adviso...
Miguel - Employer: Anonymous
21-03-2022 - Spain
Excellent service provided by Expat Mortgages. They made the process crystal clear since I first joined their webinar until I got the keys of my house. Plenty of informa...
Jaco - Employer: ASML
19-03-2022 - South Africa
Roy and Robert from Expat Mortgages was of good assistance, even before my relocation. Roy provided us with good advice and took over the time and challenges on f...
Minh - Employer: Effectory
19-03-2022 - Vietnam
I knew about Expat Mortgages 2 years ago, but I did not have the chance to work with them until now. Buying a house as an expat has always been a pain, and they made t...
Hatton & Lavrenko - Employer: Self-Employed and University of Twente
14-03-2022 - Canada & Russia
There is no way in heck we could have navigated the sheer amount of paperwork required to buy a house in the Netherlands without the help of Expat Mortgages! T...
Tiffany - Employer: Ultimaker
12-03-2022 - USA
I attended an Expat Mortgates seminar in early March 2020 in Amsterdam a couple months after moving to the Netherlands. I found it very useful and signed up to be contacte...
Anna - Employer: Anonymous
10-03-2022 - Anonymous
We were advised to reach out to Expat Mortgages by our relocation company and we never regretted doing so. The client experience with Expat Mortgage is seamless. The...
Harpreet - Employer: Uber
09-03-2022 - Australia
Expat mortgages helped my partner and I purchase our property in Amsterdam. They handled everything from helping us understand our borrowing capacity, to ultimately...