Buying a house in the Netherlands?
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- Guidance in English from start to finish
- One dedicated expert by your side
- 25+ years helping expats buy homes in the Netherlands
Buying a home in the Netherlands can feel overwhelming when everything works differently from what you're used to. New rules, unfamiliar terms and important financial decisions can raise lots of questions. That's why our expat mortgage experts are here to guide you every step of the way.
Questions? We've got answers.
Our expat experts help you navigate the Dutch home buying process with confidence.
Can I buy a home in the Netherlands as an expat?
Yes. You don’t need Dutch citizenship to buy a home in the Netherlands. Whether you’re a highly skilled migrant, have a residence permit or have recently moved here, there may be more possibilities than you think. Our English-speaking mortgage advisers can guide you through the Dutch home-buying process and help you understand the possibilities in your situation.
Can I buy a home with a temporary contract?
Yes, you may be able to. A permanent employment contract isn’t always required to get a mortgage in the Netherlands. What matters is your individual situation, including your income and employment circumstances. Our expat mortgage experts can help you find out what your temporary contract means for your mortgage options.
Is buying a home more difficult for expats?
Not necessarily. As an expat, buying a home in the Netherlands may be more straightforward than you think. Your residence status, income and employment situation can affect your mortgage options, but being an expat doesn't automatically make buying a home more difficult.Our expat mortgage experts understand both Dutch mortgage rules and international situations and can help you understand what applies to you.
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Does the 30% ruling affect how much I can borrow?
It can. The 30% ruling is a tax benefit available to certain international employees working in the Netherlands. Because it affects your income situation, it may also affect your mortgage options. How much you can borrow depends on your personal circumstances. An expat mortgage expert can explain how the 30% ruling applies to you and what it could mean for your borrowing capacity. For advice about the tax implications of the 30% ruling, please consult a tax adviser.
Does my full international income count?
Your international income may count towards your mortgage application, helping you borrow more than you might expect. Whether allowances, benefits and other income components can be included depends on your personal situation. Not all income is assessed in the same way, which is why an expat mortgage expert can help you understand what counts and what this means for your mortgage options.
Can we buy a home together?
Many expats buy a home together with their partner. When applying together, we take both of your financial situations into account. This may create more possibilities than applying on a single income. We’ll explain the options and guide you through the process.
How do I know what I can afford?
Before you start viewing homes, it helps to know what’s within reach. In a free orientation meeting, you’ll get a clearer picture of:
- how much you may be able to borrow;
- what your monthly payments could look like;
- which documents may be relevant when exploring your mortgage options;
- what applies to your international situation;
- how the Dutch home-buying process works.
That way, you'll have a better understanding of your options before you start viewing properties or making offers.
How much of my own money do I need?
You'll usually need some of your own money when buying a home in the Netherlands. While you can often borrow up to 100% of a property's value, there are additional costs to consider, such as transfer tax, notary fees, valuation costs and mortgage advice fees. Understanding these costs gives you a clearer picture of how much money you'll need before you start your house hunt. During a free consultationorientation meeting, one of our expat mortgage experts can help you understand and plan for these costs.
Which mortgage topics should I know about?
You don't need to be an expert in Dutch mortgages before you start your home-buying journey. One important rule to know is that a financing condition can help protect you when making an offer on a property.
There are also topics such as mortgage interest tax relief and the National Mortgage Guarantee (NHG) that may be relevant to your situation. NHG can provide an extra safety net and may also give you access to a lower mortgage interest rate.
During a free orientation meeting, your mortgage adviser will explain everything step by step, so you can make informed decisions with confidence.
Does the 30% ruling affect how much I can borrow?
It can. The 30% ruling is a tax benefit available to certain international employees working in the Netherlands. Because it affects your income situation, it may also affect your mortgage options. How much you can borrow depends on your personal circumstances. An expat mortgage expert can explain how the 30% ruling applies to you and what it could mean for your borrowing capacity. For advice about the tax implications of the 30% ruling, please consult a tax adviser.
Does my full international income count?
Your international income may count towards your mortgage application, helping you borrow more than you might expect. Whether allowances, benefits and other income components can be included depends on your personal situation. Not all income is assessed in the same way, which is why an expat mortgage expert can help you understand what counts and what this means for your mortgage options.
Can we buy a home together?
Many expats buy a home together with their partner. When applying together, we take both of your financial situations into account. This may create more possibilities than applying on a single income. We’ll explain the options and guide you through the process.
How do I know what I can afford?
Before you start viewing homes, it helps to know what’s within reach. In a free orientation meeting, you’ll get a clearer picture of:
- how much you may be able to borrow;
- what your monthly payments could look like;
- which documents may be relevant when exploring your mortgage options;
- what applies to your international situation;
- how the Dutch home-buying process works.
That way, you'll have a better understanding of your options before you start viewing properties or making offers.
How much of my own money do I need?
You'll usually need some of your own money when buying a home in the Netherlands. While you can often borrow up to 100% of a property's value, there are additional costs to consider, such as transfer tax, notary fees, valuation costs and mortgage advice fees. Understanding these costs gives you a clearer picture of how much money you'll need before you start your house hunt. During a free consultationorientation meeting, one of our expat mortgage experts can help you understand and plan for these costs.
Which mortgage topics should I know about?
You don't need to be an expert in Dutch mortgages before you start your home-buying journey. One important rule to know is that a financing condition can help protect you when making an offer on a property.
There are also topics such as mortgage interest tax relief and the National Mortgage Guarantee (NHG) that may be relevant to your situation. NHG can provide an extra safety net and may also give you access to a lower mortgage interest rate.
During a free orientation meeting, your mortgage adviser will explain everything step by step, so you can make informed decisions with confidence.
Understand buying a home in the Netherlands
Buying a home in the Netherlands can feel overwhelming when you're unfamiliar with the rules, terminology and steps involved. In this step-by-step guide, our mortgage expert explains how the Dutch home-buying process works, from determining your budget to receiving the keys to your new home.
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Why expats choose ABN AMRO
Support from A to Z
A personal mortgage adviser: from the early stages of your house hunt until the mortgage has been secured.
25 years’ experience
Dutch mortgage market leader and expert in expats.
Service in English
The whole process and mortgage application are in English, with English-speaking mortgage advisers.