Step-by-step mortgage guide

Step 1: Find out how much you can borrow

Before you head out to find a home in the Netherlands, you need to find out what you can afford. To determine your budget it is advisable to see an independent mortgage advisor of De Hypotheekshop. We have an initial meeting to establish your wishes, situation, and future plans. We will advise you on mortgages types, costs and will tell you exactly what you can expect from De Hypotheekshop. Make an appointment with the nearest Hypotheekshop for a free introductory meeting. We will give you an accurate assessment of your budget and the monthly payments related.


Step 2: Find a property

Want to buy a residential property but don’t know where to start? A lot of our mortgage advisors collaborate with local real estate brokers. Real estate agents often have access to properties before they are advertised online. Your agent can help you find a suitable home based on your needs and preferences. Another way is performing a quick search yourself on specialized sites such as Funda or VBO.


Step 3: Make a bid

Did you find your dream home? Then you can start negotiating. Think carefully about your maximum bid in advance. Also, reserve money for renovation. And do not forget to include dissolving clauses in your bid. For example, if you are not yet sure whether you will receive the financing or want to do an architectural survey first.


Step 4: Apply for a Dutch mortgage 

Once you’ve had your offer on a house accepted, you have to complete a full mortgage application. The contract usually includes a clause stating that the agreement is subject to financing being arranged. That dissolving clause specifies the amount of time you have to arrange financing.


Our advisors will deal with the money provider, check the paperwork, and answer any questions you may have. You have to provide evidence of your income, identity and current address. Your mortgage broker or lender will perform a full credit check on you. You will also need to have a mortgage valuation of the property you are about to buy.


Step 5: Sign with the notary

Once you have found an appropriate mortgage, you instruct your mortgage advisor to take out your mortgage. The agreements between you and the lender are recorded in the mortgage deed. The official transfer of the house takes place at the notary. The notary reads the documents together with you and checks whether you have arranged everything you need to arrange. And then it's time to sign the deed of delivery and mortgage certificate. Congratulations, the house is now officially yours!