‍Buy your own home in the Netherlands

First we will put you in touch with a mortgage broker to make sure you know what you can borrow and spend on the market. The next step is the housing search. Funda.nl has most if not all properties that come on the market, so we will start the search together. We will schedule viewings based on your feedback and accompany you to them. When you have shown interest in a property we will do area and property research to advise you as best as possible. We will then draft the offer and help with the negotiations. After having your offer accepted we will arrange for a valuator, technical inspector and notary. We will accompany you to all meetings, review the contracts together, and make sure the property is handed over to you in a good condition.

Yes you can. You need a Dutch address and a secure job to apply for a mortgage. Buying a house can take a variable amount of time though. The time it takes to secure your home varies according to multiple factors such as the market at the time of your arrival - and of course your specific requirements, wishes, and personal financial situation. You will need a mortgage initially - and applying for this can take some weeks. The following processes after you have been granted your mortgage will take at least another few weeks. Surveyors, Notaries, Valuators and other services are involved. Working with these partners can take time, so we would recommend at least securing a temporary housing contract for between 3 months - 1 year, to make sure that you give yourself ample room to breathe during the process.

You will need to bring up to approximately 5% of the value of the house (for the buyer's 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.

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.