General information

In one of the most densely populated countries in the world, the relative shortage of rental properties inevitably leads to insufficient housing supply.

Even though renting a place offers flexibility and certain rights, buying a property in the Netherlands is considered a good financial investment.

Property buying checklist

Since buying a house in the Netherlands is an important financial decision, preparation is vital:

Be an informed buyer and thoroughly examine:
- available housing types in the Netherlands
- choosing the right location
- information about rental contracts and rent levels

 Be fully aware of your financial / credit situation and budget; keep a detailed record of:
- current loan payments
- monthly expenses (food, childcare, utilities, insurance, taxes etc.)
- non-fixed / personal expenditures (medical expenses, entertainment etc.)

 Get familiar with the Dutch mortgage procedures and estimate the mortgage payments.

 Organise your move; contact numerous relocation services and ask for tailor-made offers beforehand.

checklist home mortgage
Photo by Flickr user alancleaver_2000

Things to consider when buying a house in the Netherlands

› Always check:
- Who owns the house / property and why is he / she moving out.
- How many others are interested in the same house / property.
- How quickly the seller needs to sell.
- How long has the house been on the market.

› Viewing the property:
- View the house during daytime to spot problems and if you are really interested visit again at a different time of the day.
- Try not to view too many houses in one day.
- Keep detailed notes regarding the places you visit.
- Take your time and do not hesitate to ask as many (relevant) questions as possible.
- Inspect the neighbourhood.

› More:
- Seasonality could be an important factor; demand may be a bit lower during winter and autumn.
- During negotiations stay polite, cool and clearly show that you are fully informed.
- Do not get too attached to one property; usually, time is on your side.
- Avoid complicated procedures like bidding wars and sealed envelopes.
- Build a solid relationship with the seller. It could well be the case that there are many potential buyers like you so you need to stand out from the crowd.
- It may be harder for non-EU citizens due to stricter requirements.

› Why buying?
- Pride of ownership; owning a house offers a sense of stability and security.
- Control over the property (decoration changes, pets, noisy activities etc.).
- Great financial incentives / tax benefits.
- Buying a property can be a good investment.

› Why renting?
- Mobility; rental contracts can be terminated within a period of two to three months.
- Budget assessment and fixed rental costs.
- Major repairs and routine maintenance are (usually) landlord’s responsibility.
- There is no reason to resell before moving out.

The challenge of getting a mortgage in the Netherlands with a foreign salary

Expats living in the Netherlands but earning a salary in another currency face a problem when buying a house. De Boer Financial Consultants has the details.

Can’t get a mortgage? Financing alternatives for buying a house

Banks can be reluctant to grant mortgages, but Finsens offers alternative financing possibilities for houses in the Netherlands.

Dutch house prices rise at fastest rate in almost 9 years

The Dutch property market continues its impressive growth spurt with house prices on average 4,6 percent higher in June 2016 compared to a year earlier.

Joint home ownership and divorce in the Netherlands

If you and your partner decide to get divorced, it has consequences for your privately owned home and finances. What can you expect in this situation?

What to consider when buying to let in the Netherlands

Buying property in the Netherlands to rent out can be a lucrative investment, but make sure you educate yourself before becoming a landlord!

Mortgage refinancing in the Netherlands increases by 63 percent

Low interest rates lead to a 63 percent increase in the refinancing of mortgages and longer fixed rate periods than before.

Largest increase in Dutch house prices in 7,5 years

Houses for sale were 3,8 percent more expensive and 24 percent more houses were sold compared to November 2015, the largest increase in prices in 7,5 years.

Amsterdam house prices experience a sharp increase

House prices for existing homes in the Netherlands continue to rise, with Amsterdam exhibiting the highest increase of 10 percent, compared to a year ago.

Buy-to-let mortgages now available in the Netherlands

Is it worthwhile buying an apartment as an investment property in the Netherlands? Finsens explains buy-to-let mortgages and the financial breakdown.

Is it a good time to buy? The 2015 Dutch housing market

Want to understand why Dutch house prices are climbing and why so many people suddenly want to buy? Here's an explanation about the current property situation.

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