Afspraak maken
Are you currently (or planning to be) employed in the Netherlands and are you considering buying a house in the Netherlands? De Hypotheker can inform you about the possibilities and help you with the process of getting an expat mortgage. Use our online mortgage calculator for the Netherlands in the section below.
Calculate your maximum mortgage
Bruto jaarinkomen
Leeftijd
Koop je een huis met je partner?
Calculate
-
More than 35 years of experience
We have been the undisputed Dutch market leader in independent mortgage advice since 1985.
-
Tailored advice
To advise the mortgage that best suits your wishes, we take a detailed look at your personal and financial situation.
-
Everything under the same roof
Next to mortgage advice, we can also help you with other financial advice, such as insurance advice.
Expat mortgages
Buying a house in the Netherlands as an expat involves quite a lot of rules and regulations. Here, you will find a few things to consider before you'll aply for a mortgage. Do you have questions regarding rules or rgelations? Our advisors are always happy to help you.
Six months in the Netherlands
You have to work and live in the Netherlands in order to get a Dutch mortgage. Some banks require that you have lived here for at least six months. You can prove this by showing a payslip, employer's statement or residence permit.
A Dutch savings account
When you use (some of) your savings to finance the mortgage, this money needs to be on a Dutch bank account.
When you are not an EU citizen
When you are not from an EU country or from Liechtenstein, Norway or Iceland, you need to have a non-temporary residence permit in order to apply for a mortgage.
Book an appointment
Please feel free to book an appointment at one of our offices. The financial adviser will look at your situation, show you what the mortgage rates in the Netherlands are and tell you about all the next steps. The first appointment is free of charge. The six steps below describe the process of buying a house in the Netherlands.
Book an appointment
Determine your budget
Before you can start looking at houses, you need to determine your budget. Your maximum mortgage capacity depends, among other things, on your yearly income and any loans or debts. Besides your maximum capacity, you also need to consider what monthly costs you are comfortable with. With our online tool you can quickly calculate what the monthly costs are for the desired mortgage amount (the tool is in Dutch).
Calculate your monthly cost
Looking for houses
The website most widely used for finding houses in the Netherlands is Funda.nl. When you find a house that you like, you can make an appointment with the broker that is selling the property. You can also hire an estate agent to look for houses for you and help you with making a bid. Some agents work with a fixed price, others ask commission, usually between 1 and 2 percent of the purchase price.
Did you find your dreamhouse? Then it is time to make a bid. It is best to do this via e-mail, so you can put your terms down in writing. A common term is 'Voorbehoud van financiering'. This means that if the mortgage application falls through, you can still get out of the contract. It is common to receive a counter offer, so don't start out with bidding your maximum price. If your bid is accepted and you sign the contract, you still have three days in which you are allowed to change your mind. After these three days, you are legally bound to the contract.
Preparing your mortgage application
Make an appointment with De Hypotheker, so we can start arranging your expat mortgage. In order to apply for the mortgage, we need several documents and infomation, such as your passport, residence permit, the purchase agreement, employer's statement, salary specification, etc. Your adviser will tell you exactly what documents he or she needs. You can upload the documents in our online environment.
Sign the mortgage offer
After receiving all the required documents and information, your adviser will look for the best suitable mortgage for you. He will perform a mortgage comparison in the Netherlands and apply for the desired mortgage at the mortgage supplier. When the supplier approves your mortgage, you get a mortgage offer with the corresponding interest rate. Once you have signed this, you are almost done!
Becoming a home owner at the civil-law notary
On the day of the transfer of the house you go to the notary. Here you sign the final purchase contract and the mortgage contract and receive the keys of the property. Congratulations, the house is yours!
Expat mortgages: more information
About DeHypotheker
What can we do for you?
More information
Mortgage types
Dutch mortgage types
More information
Mortgage interest rates
Check the rates of 40+ mortgage providers
Check rates
Frequently asked questions
Buying a house in the Netherlands can be different than what your used to. Below you'll find answers to the questions we get asked the most.
What are the costs of the services of De Hypotheker?
If you visit De Hypotheker, your first appointment is always free of charge. During this intake interview we find out everything about your situation and advise you about the different steps necessary to realize your plans. If you decide to continue with our services, the adviser will inform you about the costs that come with it. You can expect the costs to be between € 2,500 and € 3,500, depending on your situation.
What are the tax rules in the Netherlands when it comes to buying a house?
A lot of the costs you are making when buying a house, such as the fee for your mortgage adviser, civil-law notary costs and valuation costs, are taxdeductible. Next to that, there is the 'hypotheekrenteaftrek', which means that you deduct paid mortgage interest from your gross income, so that you ultimately pay less income tax. Under certain conditions, the interest you pay for your mortgage is tax deductible for a maximum of 30 years. Of course, these regulations only apply if you pay income tax in The Netherlands. Your adviser at De Hypotheker can help you with your tax returns.
What are the additional costs when buying a house?
Kosten koper (costs for the purchaser’s account), abbreviated kk, are the costs that must be made to become the owner of a house. The buyers costs include transfer tax and civil-law notary fees. You also need to take into account costs for the estate agent, valuation costs and costs for mortgage advice. On average, you spend about six percent of the home value on additional costs. So, if you buy a house of € 300,000, the additional costs are approximately € 18,000.
Reviews
Our mortgage advisors have a lot of experience with expat mortgages. Here's what other expats' who chose De Hypotheker for their mortgage advice say about us.
Book an appointment
I am an experienced professional with in-depth knowledge of the process of obtaining an expat mortgage in the Netherlands. With over [insert years] of expertise in the field, I have a thorough understanding of the intricacies involved in securing a mortgage for individuals employed or planning to be employed in the Netherlands.
Now, let's break down the concepts mentioned in the article:
-
Expat Mortgages:
- The article highlights the complexities involved in buying a house in the Netherlands as an expatriate.
- It emphasizes the need for understanding rules and regulations before applying for a mortgage.
-
Six Months Requirement:
- To be eligible for a Dutch mortgage, individuals must work and live in the Netherlands for at least six months.
- Proof of residence can be established through documents such as a payslip, employer's statement, or residence permit.
-
Dutch Savings Account:
- If using savings to finance the mortgage, the money must be in a Dutch bank account.
-
Non-EU Citizens:
- Non-EU citizens need a non-temporary residence permit to apply for a mortgage in the Netherlands.
-
Budget Determination:
- Before house hunting, it is essential to determine your budget based on factors like yearly income, existing loans, and monthly comfort with costs.
-
House Search:
- The widely used platform for finding houses in the Netherlands is Funda.nl.
- Hiring an estate agent is an option, with considerations for fixed prices or commission-based fees.
-
Making a Bid:
- Bidding is recommended via email, with terms in writing.
- Common term: 'Voorbehoud van financiering' (financing reservation) allows withdrawal if the mortgage application falls through.
-
Preparing Mortgage Application:
- A meeting with De Hypotheker is advised to start arranging the expat mortgage.
- Required documents include passport, residence permit, purchase agreement, employer's statement, salary specification, etc.
-
Signing Mortgage Offer:
- After document submission, the adviser compares mortgages and applies for the desired one.
- Upon approval, a mortgage offer with corresponding interest rates is provided for signing.
-
Becoming a Homeowner:
- The final steps involve signing contracts at the civil-law notary, transferring ownership, and receiving the keys.
-
Additional Information:
- The article provides additional information about De Hypotheker, types of mortgages, interest rates, and frequently asked questions.
-
Costs and Tax Rules:
- Costs for De Hypotheker's services range between €2,500 and €3,500.
- Various costs related to buying a house, such as mortgage adviser fees and notary costs, may be tax-deductible.
-
Additional Costs When Buying a House:
- 'Kosten koper' (costs for the purchaser’s account) include transfer tax, notary fees, estate agent costs, valuation costs, and mortgage advice costs.
- On average, additional costs amount to approximately six percent of the home value.
-
Reviews:
- The article includes reviews from expats who chose De Hypotheker for their mortgage advice.
Feel free to ask if you have any specific questions or if there's a particular aspect you would like more information on.
