Living in the Netherlands is a wonderful experience. The cities are vibrant, the people are friendly and the quality of life is high. It is therefore only natural that many expats want to take the next step here: buying a home.
But to be honest: the Dutch housing market can be complicated. New rules, different systems and high demand for housing. That is why this guide helps you step by step, so you can buy your next home with confidence.
The Dutch housing market is different from that in many other countries. That is why it is important to know what to expect.
The Netherlands continues to grow, especially in cities such as Amsterdam, Rotterdam and Utrecht. As a result, prices are rising and supply is sometimes limited. It is common for multiple buyers to place bids on the same property.
The government is trying to address this by building more new homes and encouraging sustainable housing solutions. Nevertheless, it remains important to stay alert and act quickly when you find a home that suits you.
Which type of property suits you? Do you want to live in the heart of the city, or prefer more space and tranquillity outside the Randstad? Consider:
Commute time to work
Schools or facilities
Space in and around the home
Energy efficiency (the Netherlands is a leader in this area)
Financing is often the most daunting part for expats. Fortunately, there are many banks in the Netherlands that are willing to cooperate. In the Netherlands, you usually pay 10–20% of your own funds towards costs
The most commonly chosen mortgage is a Annuity mortgage. Your monthly payments remain predictable.
Other options:
Linear mortgage – faster repayment, lower total costs
Interest-only (partially) – sometimes possible for a second property
Each option has its own advantages. We help you determine what best suits your income and future plans.
Many banks require:
a stable income
proof of employment (contract or employer’s statement)
Your credit history
a valid residence permit
Sometimes you need to provide additional documents if your income is in another currency or if you have only recently moved to the Netherlands.
A local estate agent helps you greatly:
vindt woningen die passen bij jouw wensen
knows the market and prices
negotiates on your behalf
guides you through the entire process
Choose an estate agent who is experienced in working with expats. This makes the process much easier.
Viewings often move quickly. In a tight market, you may sometimes need to decide within a few days. During a viewing, pay close attention to:
State of maintenance
Light and noise in the area
Energy label
Space in and around the home
Parking options
Ask all your questions. You need to feel at home there.
Have you found your next home? Then your estate agent will submit an offer. Take into account negotiations; this is very common in the Netherlands.
After acceptance, you often arrange an inspection. This way you know whether major repairs are needed.
After acceptance, you often arrange a building inspection. This way, you know whether major repairs are needed.
De bank vraagt altijd om een taxatie om de waarde te bepalen.
In the Netherlands, using a notary is mandatory. The notary:
draws up the purchase agreement
handles the transfer of ownership
registers the property with the Land Registry (Kadaster)
handles payments and taxes
Preferably choose a notary who speaks English and has experience working with expats.
Take into account additional costs such as transfer tax (for an existing property), notary fees, valuation costs, and any renovation costs, etc.
It is wise to draw up a total budget in advance so you are not faced with any surprises.
Buying a home as an expat does not have to be stressful. With clear explanations and personal guidance, you can confidently choose a home that fits your life in the Netherlands.
