Buying a home in The Netherlands
Are you an expat looking to buy a home in the Netherlands?
Buying a house in the Netherlands can be a valuable investment. But it can also be a bit of a challenge. Rules, laws and taxation are run differently. We are independent mortgage advisors and committed to helping you find your dream property and the right expat mortgage with affordable monthly payments. We will guide you through the process and answer any questions you may have.
Buying a house step-by-step:
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. During a free orientation meeting we discuss your wishes, situation, and future plans. We will give you an accurate assessment of your budget, mortgage types and monthly payments. We will also explain how we can help you buy and home, and what to expect dureing the entire process.
Step 2: Find a property
Want to buy a residential property but don’t know where to start?
We 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, Makelaarsland or VBO.
Step 3: Make a bid
Have you found your dream home?
Then you can start negotiating, or we can do the bidding for you! Think carefully about your maximum bid in advance. Also reserve money for renovation -if needed- and costs. And remember to include a clause stating that the agreement is subject to financing being arranged.
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. We 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, savings and current address. Your mortgage broker or lender will perform a full credit check on you. We will also arrange a mortgage valuation of the property you are about to buy.
Step 5: Sign with the notary
Once you’re mortgage has been approved, instructions will be sent to the notary. 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 an interpretor, and checks whether you have arranged everything you need to arrange. And then it’s time to sign the deed of delivery and mortgage deed.
Congratulations, the house is now officially yours!
Make an appointment by clicking the button below! (Please specify in the remarks section you want an appointment for an expat mortgage)