You might be thinking about buying or renting a house in the Netherlands as an expat. Finding yourself a home that matches your ambitions can be a very challenging adventure with the current housing market, even for locals.
However, the current interest rates are very low, which often means buying a house is more interesting than renting one. So, if you are still in doubt whether you should buy a house in the Netherlands, now is the time!
According to the 2019 Residential Ranking by real estate company JLL, the second most popular place to live in the Netherlands is Utrecht! Do you want to buy or rent a home in Utrecht, but you don’t know how the Dutch housing market works? A certified real estate agent can guide you through the ins and outs of the Dutch housing market. They will help you with viewings and the purchase process of a suitable residence in or around Utrecht.
It is also handy to contact a broker as the Netherlands has its own specific laws and rules when it comes to real estate and they can differ from the ones you are used to in your home country. Experienced brokers know all there is to know about the housing market, and some brokers are specialised in helping expats.
Now, you’ve found your dream house, but how do you finance it? A good idea is to have your mortgage options mapped out so you can find out which mortgage suits your needs the most. If you have difficulties doing this research, or perhaps you simply do not have the time, a registered mortgage adviser can assist you with this.
There are no formal restrictions for non-Dutch citizens buying Dutch property or applying for a Dutch mortgage. However, there are certain circumstances in which the mortgage provider may want to look into your personal and financial situation, to consider if they might be at risk, e.g.: