Buying a home in a new country can feel overwhelming. Different rules, new words, and unexpected costs can make the process stressful. But don’t worry: with the right guidance, it can also be one of the most exciting steps of your expat journey.
This blog gives you a clear roadmap in simple English—plus real stories from other expats who have already made the move.
Step 1: Start With the Basics
Before you can apply for a mortgage, you need to get your finances in order. That means:
- Knowing your monthly budget
- Understanding your work contract (permanent, temporary, or self-employed)
- Collecting official documents like payslips, tax details, and ID
Step 2: Explore Your Mortgage Options
Dutch mortgages come in a few main types:
- Annuity mortgage – same monthly payments, part interest and part repayment.
- Linear mortgage – higher payments in the beginning, but costs go down over time.
- Interest-only mortgage – only interest payments; repayment comes later.
Each type has pros and cons, so it’s smart to check which fits your income and long-term plans.
Step 3: Budget for Extra Costs
When buying a house here, the purchase price is not the whole story. Extra costs include:
- Transfer tax
- Valuation report (taxatie)
- Notary fees
- Advisory fees (if you use an adviser)
Many expats are surprised by this, so it’s good to set aside money in advance.
Step 4: Know the Timeline
From the moment you make an offer until you sign at the notary, the process usually takes a few weeks to a few months. The more prepared you are, the smoother it will go.
A Simple Checklist for Expats
✅ Check your budget and documents
✅ Explore different mortgage types
✅ Save money for extra costs (notary, tax, adviser)
✅ Search for properties that fit your budget
✅ Make an offer and include financing conditions
✅ Finalise your mortgage with your adviser
✅ Sign the deed at the notary and get your keys
Real Stories from Expats
Anna from Spain:
“At first I thought it would be impossible to buy here. But once I sat down with an adviser, everything became clear. The biggest relief was learning exactly what my budget was—I stopped looking at houses I could never afford.”
David from South Africa:
“The hardest part for me was understanding all the Dutch paperwork. My adviser explained every step in English and even joined me at the notary. That made me feel confident and safe in the process.”
Liu from China:
“I didn’t know about the extra costs at first, so the checklist really helped me. Having everything written down gave me peace of mind—I felt more in control.”
Final Thoughts
Buying a home in the Netherlands doesn’t have to be scary. With a clear plan, the right support, and realistic expectations, you can take this step with confidence.
Remember: it’s not just about numbers—it’s about creating a stable home for your life in the Netherlands.
Ready to take the next step? Our team is here to guide you every step of the way.
