Are you an expat considering buying a house in the Netherlands? With high rental prices and low mortgage rates, purchasing can be a smart choice. The buying process can be complex, but with the right guidance, it becomes much easier.
The simplest way to buy a house is by hiring an independent mortgage advisor. At DGA, we specialize in guiding expats through the entire process. We arrange your mortgage, and our fees are tax-deductible. Our experienced advisors support you from the initial consultation to the moment you receive the keys.
Before making an offer, it’s essential to know how much you can borrow. Online quick scans provide an estimate but often don’t account for personal situations like allowances or tax benefits. Our advisors assess your specific circumstances to give you a precise overview of your borrowing capacity. Book a free consultation for more insights.
With a clear budget, you can begin your house hunt. In the Netherlands, you can finance only 100% of the property value, so you’ll need your own funds for additional costs like notary fees and appraisal costs. In the current market, a real estate agent is often indispensable, especially if you’re unfamiliar with local listings. We can connect you with trusted agents in your area.
Found your dream home? The next step is signing the preliminary purchase agreement. This contract is binding, with a three-day cooling-off period. Including contingencies, like financing or a building inspection clause, provides additional protection if your mortgage isn't approved or significant defects are discovered.
After signing the agreement, we’ll assist with submitting the mortgage application. We gather and review all necessary documents and handle communications with the lender. Once your application is approved, we go through the mortgage offer with you to ensure you fully understand the terms.
The final step is the notary appointment to sign the deed of transfer and the mortgage deed. The notary oversees the official transfer of ownership and ensures all payments are completed. After signing, you receive the keys and officially become the owner of your new home.
Want to know what your options are? Fill in the form below and request a free mortgage check with our experts. We will assess your personal situation, explain your borrowing capacity, and guide you through the entire process to help you make informed decisions.
