Buying your first house

Buying your first house is a big step. It is a big financial investment, but also a big decision to make emotionally. The process of buying your first house can run smoothly with the right preparation and knowledge. On this page, you’ll find all the information you need when buying your first house.

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Tom van der Giezen

Mortgage Advisor

Good to know

On a daily basis, we get questions from people planning to buy their first house. We notice that ambiguity prevails on specific topics. Therefore, we would like to provide more clarity on these topics.

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How long do I need to work in the Netherlands in order to get a mortgage to buy a house in the Netherlands?

There is no specific amount of time you need to work in the Netherlands to get a mortgage. We work with over 40 partnering mortgage providers. Most of those mortgage providers have some requirements about your working history in the Netherlands being an expat, but some of them don’t. This means that we can already arrange a mortgage from the first day from your arrival.

Do I need to be an EU Citizen to get a mortgage for expats in the Netherlands?

No, absolutely not. As long as you have a BSN-number (citizen service number) and a valid residence permit it’s possible to apply for a mortgage at a wide range of mortgage providers.

Buying your first home in five steps

With our five-step plan, we are able to tell you exactly how the process of buying your first house will look like.

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Exploring your possibilities


Searching for a house


Placing an offer


Arranging your mortgage


Your appointment with the notary


These are the questions we get asked most often. Is your question not listed? Please let feel free to contact us with your questions. We are more than happy to help you.

What is my maximum mortgage?

Can I also finance a renovation?

What is the difference between an annuity and a linear mortgage type