HOW TO BUY A HOUSE IN THE NETHERLANDS STEP BY STEP

Start by calculating how much you can borrow on a mortgage and what your monthly payments will be. This helps you set a realistic price range for your search.

Schedule a free meeting with our English-speaking mortgage advisors to gain insights into the Dutch housing market. You’ll receive a personalized mortgage calculation based on your situation. Choose to meet via video call or at our office—whichever suits you best! 

As you start your search for a home, consider using platforms like Funda, where you can find a wide range of houses and apartments for sale. Once you’ve identified potential properties, reach out to the selling party to schedule viewings. This will allow you to see the homes in person and evaluate them based on your needs and preferences. 

Property viewings and making offers in the Netherlands may differ from what you’re used to. It’s essential to understand concepts like 'resolutive conditions'—reasons to cancel the agreement without penalties. Engaging a buyer’s agent can also be beneficial. 

Tips for a Successful Viewing: 

• Identify Your Needs: Before the viewing, clarify what you're looking for in a home. Make a checklist of features and consider the neighborhood's proximity to your workplace. 

• Explore the Neighborhood: Take a walk around the area to get a feel for it. Write down any questions you have and ask them during the viewing. 

• Check the Energy Label: This label indicates the home’s energy efficiency. Look for insulation quality, double glazing, and the age of the heating system. Labels range from A++++ (most efficient) to G (least efficient). 

• Assess the Property’s Condition: Inspect the woodwork, paint,and structural elements. Inquire about any 'hidden defects'—the seller's agent must disclose these. 

• Prepare for a Thorough Examination: As the buyer, it’s your responsibility to inspect the property carefully. Ask about repair conditions, legal obligations, and zoning plans during the viewing. 

How to Make a Successful Offer on a House 

Making a successful offer on a house starts with thorough preparation. The amount you offer significantly impacts whether your proposal will be accepted. Here’s how to navigate the process: 

Steps to Make an Offer 

Hire an Estate Agent or Not? 

 A buyer’s agent can be your best ally in finding and negotiating your dream property. They bring valuable market insights, but their services come with a fee. If you prefer to go solo, be prepared to manage property valuations and negotiations on your own. 

Calculate Your Mortgage 

 Know how much you can borrow before you start. You can secure up to 100% of the property’s market value but be ready to contribute your own funds. If you're planning energy-efficient upgrades, you might be eligible to borrow up to 106%. Don’t forget to include service fees for apartments in your calculations. 

Schedule a Viewing 

 Start your home search on platforms like Funda, where you’ll find a variety of houses and apartments for sale. Once you spot potential properties, contact the seller to schedule viewings. This is your chance to assess the home's condition and the neighborhood firsthand. 

Get a Property Valuation 

Understanding a property’s market value is essential before making an offer. You can gather valuation information from the land registry (Kadaster) or hire a professional property valuer for an official report. 

Make Your Offer 

  When you’re ready, submit a written offer or use the seller's agency platform. Ensure your offer is attractive enough to prompt a counteroffer. Including a financial check from your mortgage advisor can strengthen your proposal. 

Negotiate Terms 

Clearly outline any specific conditions (resolutive conditions) that must be met for the sale to proceed. Common conditions include: 

• Subject to Financing: Validates your offer only if you secure necessary funding from the lender. 

• Subject to Survey:        Allows withdrawal if the survey reveals significant defects. 

Sign the Purchase Contract 

 If the seller accepts your offer, you’ll sign a purchase contract that details all agreed terms. After signing, a three-day grace period allows you to review the contract, including your resolutive conditions. 

Finalize Your Mortgage 

Once the purchase agreement is signed, it’s time to secure your mortgage. This process typically takes a few weeks, so it’s important to act quickly to meet the deadlines outlined in your agreement.  

Schedule a free consultation with our English-speaking advisors, who have access to over 30 Dutch lenders to find you the best rates and terms. Let us guide you through every step with confidence and ease! 

 If your offer is accepted, you’ll sign a provisional agreement and move on to securing your mortgage. Navigating this process can be complex, but with us as your independent mortgage advisor, you’ll find the right mortgage tailored to your needs. Our English-speaking advisors have access to over 30 Dutch lenders, ensuring you get the best rates and terms. 

Congratulations! With your mortgage approval, you’re just one step away from homeownership. The next move is to sign the mortgage deed and transfer deed at the notary’s office. Before your appointment, the notary will send you a statement outlining the closing fees, which need to be settled by the transfer date. Remember, these fees are tax-deductible in the Netherlands, check the tax authorities’ website  for an overview of the costs that you can deduct. 

If Dutch isn’t your strong suit, don’t worry! An certified interpreter can be arranged at the notary’s office to ensure you understand all the contract terms. Once everything is signed, the notary will notify the Dutch Land Registry (Kadaster), and then it’s time for the exciting moment—you’ll receive the keys to your new home! 

Congratulations, you are officially a homeowner!