How to buy your first home in the Netherlands
Buying a first home is one of the biggest topics among expats. It’s an exciting life event, but it can also feel confusing if you are unfamiliar with rules or language. The good news? With the right guidance and preparation, it doesn’t have to be stressful. Book a call with one of our expert mortgage advisors — we 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 need to provide your latest payslip, 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. If you qualify for the 30% tax ruling, your borrowing capacity increases.
How much mortgage can I borrow in the Netherlands?
In the Netherlands, it is possible to borrow 100% of the property’s market value. For example, if a property is valued at €350,000, you can borrow the full €350,000 as a mortgage.
To complete the purchase, you need to cover additional costs separately. These typically include:
Transfer tax (if applicable)
Notary fees
Property valuation report
Real estate agent fees
Mortgage advisory fees
Other costs related to the purchase.
To calculate your mortgage, contact our mortgage advisors. Get clarity about your mortgage amount, monthly payments, closing fees, and tax-deductible costs.
Step by step guide
Know 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.