Buy your own home in the
Netherlands

We offer personalised services to best fit your needs.

Most Popular
Smart *
For the independent
All the essentials to best inform your decision and successfully secure your new home.

What you get:

  • Intake
  • Personal buying manager
  • Property review
  • Offer submission
  • Contract review
  • 3rd party bookings
  • Pre transfer support
€ 2499
Select
(*) For our 'New Build on Plan' Smart Package we charge an adjusted fee of €2.999.
Complete
For the hard worker
A full package offering where we take away all the hassle and accompany you during the process.

What you get:

  • Intake
  • Personal buying manager
  • Schedule viewings
  • Attend viewings
  • Property review
  • Offer submission
  • Contract review
  • 3rd party bookings
  • Attend inspector & notary
  • Transfer support
€ 3999
Select
Premium

For those who want bespoke
A premium plan that offers more than just a great service.

What you get:

  • Intake
  • Personal buying manager
  • Schedule viewings
  • Unlimited accompanied viewings
  • Unlimited property reviews
  • Unlimited offer submissions
  • Contract review
  • 3rd party bookings
  • Accompanied inspection & notary
  • Property transfer support
  • Utilities connection/transfer
  • Property and personal insurance support
  • Guided City Tour
  • Interior inspiration advice
  • Welcome home package
€ 6950
Select
(*) For the Premium package inclusive of Property Search we charge an adjusted rate of €7950.

The advantages of buying a home in the Netherlands

1. Mortgages are cheap
Low interest rates and no down payment necessary to get a 100% mortgage make it a great time to get financing to buy a home.
2. Enjoy interest tax benefits
The Dutch government allows you to deduct the yearly interest of your taxable income so you will end up paying less interest (and less taxes!).
3. Receive starter benefits
Starting in 2021, if you're below 35, you will be exempt from paying 2% transfer tax over the purchase price.
4. Build up equity
Instead of giving your money to a landlord you build up equity by becoming the owner of your own home with every installment you make.

Calculate your closing fees now.

Go to calculator

Frequently Asked Questions

What is a mortgage?
A Mortgage is a long term loan borrowed from a mortgage provider (a bank or pension fund), this is used to make payments on a property. You will pay off the mortgage (plus interest) in monthly instalments. Make sure you keep up with your mortgage repayments, otherwise the mortgage lender has the option of taking possession of the property and selling it on an execution sale.
What different types of mortgages are there?
In the Netherlands we have two main mortgages, the Annuity mortgage and Linear mortgage. With the Annuity mortgage, if you have a fixed interest on the loan, your repayments will remain the same, but the ratio of interest to capital changes. With the Annuity mortgage, if you have a fixed interest on the loan, your repayments will remain the same, but the ratio of interest to capital changes.
How much can I borrow?
As a rule of thumb you can calculate max 5 times your gross annual income, however this is dependent on several factors, if you have other financial commitments and loans, they will consider this into your calculation. The bank also wants to know what the property value is before offering you the loan, to ensure you don’t over borrow. In 2018 they will lend to a limit of 100% of the property value. This number will go down by 1% per year for the next 4 years.
What are the interest rates at the moment?
The interest rates differ with the type of mortgage you are acquiring. Your mortgage broker will know more about the different types of rates, though as of time of writing (May 2018) the mortgages rates vary between 2,5% - 3,5%.
How much money will we need to have saved upfront?
You will need to bring up to approximately 6% of the value of the house (for the buyers costs) - but of course it helps with your personal profile during the offer stage if you have further capital saved! As a part of our service, we can put you in touch with a mortgage partner who will be able to tell you more about what you will be able to borrow, and give you a better idea of your position in the market.
More FAQ

Some great reads on renting in the Netherlands

Is it a good time to buy now?
Can I let my home after i’ve bought it?
What is a winning bid?