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Buying a house in the Netherlands

Buying a house in the Netherlands can seem like quite the challenge. While renting is a safe option that offers flexibility, there are lots of advantages to being a homeowner. What should you expect when you want to buy a house in the Netherlands?

The Dutch housing market

The Dutch housing market offers a range of opportunities. However, understanding the current marketing trends is very important. Housing prices in the Netherlands have been increasing as the demand is higher than the available houses. Property prices vary per region, where cities in the Randstad are more expensive than other areas.

Huizenmarkt Amsterdam

Renting vs. buying a house in the Netherlands

Renting a house in the Netherlands provides flexibility, spares you from the responsibilities of homeownership and the financial risks of a mortgage. However, renting in the Netherlands is relatively expensive and the demand is higher than the supply.

Buying a house in the Netherlands on the other hand, can be a smart long-term investment. The Dutch government offers mortgage interest deductions and oftentimes the monthly costs of renting are higher than a mortgage. However, buying a house involves significant upfront costs. For example, notary fees, taxes and downpayment.

amsterdam expats

What's best for you?

The mortgage advisors at De Hypotheekshop are happy to take a look at your personal and financial situation to find out if buying a house in the Netherlands is a feasible option. Plan a free orientation meeting.

Getting a Dutch mortgage as an expat

Generally speaking, there are 5 steps involved in buying a house in the Netherlands. It is important to visit a mortgage advisor, as different rules may apply for expats.

  1. 1

    Calculate your mortgage

    Before hiring a real estate agent and viewing potential houses, it's important to determine your budget and maximum mortgage.

  2. 2

    Find your home

    View potential houses together with a real estate agent. Make sure you are well-informed and ask all your questions during the viewing.

  3. 3

    Make a bid

    Found an amazing property? Great! Discuss the bidding strategy with your real estate agent. Remember your offer is subject to financing.

  4. 4

    Apply for a mortgage

    Your offer was accepted! Your mortgage advisor will now apply for the mortgage and answer any questions you may have.

  5. 5

    Go to the notary

    When your mortgage is approved, it's time to go to the notary to officially sign for the property. Once you've signed all the documents, you are officially a homeowner.

Become a homeowner in the Netherlands

Visit De Hypotheekshop for a free orientation meeting. We'll discuss your plans, wishes and possibilities for a mortgage. We're happy to help.

Plan an appointment