From renting to owning: buy your first home in the Netherlands

With rental prices rising, many are ready to take the step toward homeownership. Not sure where to start? With the right guidance, it doesn’t have to be stressful. Book a call with one of our expert mortgage advisors — we are here to help you get on the right track.

What are the requirements to get a mortgage in the Netherlands?

  • To get a mortgage in the Netherlands, you need a BSN number (citizen service number).

  • To apply for a mortgage, you must provide your proof of income and employment contract.

  • If you are a non-EU citizen, a valid residence permit is required.

  • The amount you can borrow depends on your income—usually up to 4.5 times your gross annual salary.

  • Good news! If you are entitled to the 30% ruling, you can benefit from it by increasing your maximum mortgage amount.

  • If you are self-employed, most lenders require a minimum of 12 months of income history. For limited company owners, most mortgage lenders require up to three years of financial statements, along with a forecast of future income.

  • Your debts and credits are taken into account when calculating your maximum mortgage.

If you are unsure about the requirements you need to meet, please contact our team.

How much mortgage can I borrow in the Netherlands?

In the Netherlands, you can borrow up to 100% of the property’s market value (loan-to-value), or up to 106% if the additional 6% is used for energy-efficient upgrades. For example, if a property is valued at €350,000, you can borrow the full €350,000 as a mortgage.

What additional fees are payable when purchasing a property?

  • Transfer tax (if applicable)

  • Notary fees

  • Property valuation report

  • Real estate agent fees

  • Mortgage advisory fees

  • Other costs related to the purchase.

Ready to find out exactly how much you need to save to buy your dream home? Get clear, personalized answers from our expert mortgage advisors—completely free of charge. Contact us today!

Step by step guide

1Know your budget

Before starting to search for a home, the first step is to know your budget. In a free, no-obligation introductory call, we calculate your maximum mortgage, monthly payments, and additional costs. You receive expert guidance tailored to your situation, so you can search the housing market with confidence.

After the call, your dedicated advisor remains your point of contact — ready to support you with any questions and guide you through the entire mortgage process.

2Searching for a house
3Placing an offer
4Arranging your mortgage
5Your appointment with the notary

Our happy clients

We focus on delivering great results — and our clients’ feedback tells the rest of the story.

Book a free consultation with our team

Our expert team, trusted by expats for over 10 years, provides 5-star service, transparent advice, and competitive fees — making your home-buying journey simple and affordable.