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Buying your first home in the Netherlands

A complete guide for first-time buyers and internationals looking to buy their first home.

We make complex rules simple

The Dutch housing market is known for its charm, variety and sometimes complex rules. Whether you are from the Netherlands or an expat looking to buy for the first time, you will be faced with new choices, financial considerations and legal steps. This guide takes you through the process step by step, so you can buy your first home with confidence.

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Understanding the Dutch housing market

  • Market developments
    Demand for housing in the Netherlands remains high, especially in major cities such as Amsterdam, Utrecht and Rotterdam. As a result, prices are higher and competition moves quickly. However, there are still plenty of opportunities for first-time buyers: many municipalities invest in new-build projects, affordable starter homes and sustainability initiatives.
    Outside the Randstad as well, for example in Zwolle, Arnhem, Groningen or Eindhoven, prices are often more favourable and the range of available properties is broader.
  • Types of properties
    The Netherlands has a broad mix of property types. Each option has its advantages and disadvantages. Older homes often offer charm but can involve higher maintenance costs. New-build properties are energy-efficient and low-maintenance, but sometimes have less character.
  • Regional differences
    Amsterdam and Utrecht are popular and expensive, while cities such as Tilburg, Enschede, Breda or Nijmegen are more starter-friendly. Regions such as The Hague attract many international residents due to the large number of embassies, international schools and their coastal location.

Financial considerations for first-time buyers

  • Determining a realistic budget

    Before you start viewing properties, it is important to clearly understand:

    • What you can borrow

    • How much savings you need

    • Which monthly payments fit your future plans

    Also take into account future changes such as starting a family, changing jobs, or rising energy costs.

  • Additional costs

    In addition to the purchase price, you should take into account:

    • Transfer tax (0% for first-time buyers under certain conditions)

    • Notary fees

    • Valuation costs

    • Advisory and mediation fees

    • Possible building inspection costs

    • Costs for renovation or making the property more sustainable

    • Moving and furnishing costs

    A safe guideline is to set aside 5–10% of the purchase price for additional costs.

Finding the right home

  • Searching for properties online

    Websites such as Funda, Pararius en Jaap.nl are the main platforms. Here you can filter by:

    • Price

    • Region

    • Property type

    • etc.

    Tip: stel e-mailalerts in om sneller te reageren dan andere kopers.

  • Working with a buying agent

    A buying agent helps you with:

    • Finding properties that match your preferences

    • Assessing the structural condition of the property

    • Negotiating the price

    • Reviewing legal documents

    For first-time buyers and expats, this is often a major advantage, as the market moves quickly and many processes are new.

  • Attending open house viewings

    Open houses are an accessible way to view properties. Take photos and notes so you can compare homes properly.

Making an offer

  • How do you determine a good offer price?

    Use comparable sale prices in the area and consult with your estate agent or mortgage adviser. Factors that play a role include:

    • Condition of the property

    • Renovation needed?

    • Energy label

    • Popularity of the neighbourhood

    • Market developments

  • Negotiating

    During negotiations, the seller may respond with a counteroffer. Keep a cool head, stay within your budget and listen to the advice of your professional.

  • Arranging financing after acceptance

    Once your offer has been accepted, you need to:

    1. Apply for a mortgage

    2. Submit the required documents

    3. Complete any required valuation or inspection

    4. Sign the provisional mortgage offer

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