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Buying a home

Step by step to your own home

Want to buy a house? Make sure you're well prepared

From exploring the housing market to moving house: keep reading to find out all the ins and outs of the home buying process. Select your situation to find out more information or take a look at our convenient step-by-step guide.

Step-by-step guide to buying a home

A new home in 6 steps. 

One

1. Find out what you can afford

Calculate the maximum amount you can borrow on a mortgage and how much you would be paying every month. So you know what price range to look in.

Two

2. Learn about the Dutch housing market

During one of our free webinars, a mortgage adviser will tell you all about the Dutch housing market and the associated legislation and regulations. You’ll also be able to ask any questions you may have.

Three

3. Get a free orientation consult

Arrange a free orientation consult and a mortgage adviser will calculate your maximum mortgage in detail, based on your situation. You will receive an orientation report explaining the results.

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4. Go on viewings and put in an offer

Viewings and putting in offers in the Netherlands may be different to what you are used to. For instance, ‘resolutive conditions’ (reasons for cancelling the agreement without consequence) are used in the Netherlands. And in some situations, it’s a good idea to engage a buyer’s agent.

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5. Take out a mortgage

If the seller accepts your offer, the next step is to sign a provisional agreement. Then it is time to take out a mortgage. You can either choose Mortgage with Advise or Mortgage Self-Service.

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6. Sign before a notary and the property transfer

Is your mortgage arranged? Then you sign the transfer deed and the mortgage deed at the notary. After that, you get the keys to your new home. Remember to deduct the costs you have incurred from your taxable income on your next tax return.

More information about buying a home

More about your mortgage

Buying a home often also means taking out a mortgage. And then there’s a lot to deal with and think about. What fixed-rate period will you choose? What type of mortgage? And what documents do you need? Read smart tips and useful information about your mortgage here. We’ll be happy to help you get a mortgage that is right for you.

Sustainable living

A sustainable home is good for the environment, but it is also a way to save on your energy bills, and perhaps on your mortgage as well. ABN AMRO can offer a sustainability discount and various financing options for a sustainable home.

Mortgage for rental property

If you’re moving and want to keep your current home to rent it out, you may be able to take out our Hypotheek voor verhuur (mortgage for rental property or buy-to-let mortgage) if you already have an ABN AMRO mortgage. Read about the benefits and things to bear in mind to find out if it’s right for you.

Free online seminars

Our experts in expats organise events throughout the year outlining what buying a home in the Netherlands involves. We explain the relevant Dutch regulations and legislation and what your options are.

More information about buying a home

More about your mortgage

Buying a home often also means taking out a mortgage. And then there’s a lot to deal with and think about. What fixed-rate period will you choose? What type of mortgage? And what documents do you need? Read smart tips and useful information about your mortgage here. We’ll be happy to help you get a mortgage that is right for you.

Sustainable living

A sustainable home is good for the environment, but it is also a way to save on your energy bills, and perhaps on your mortgage as well. ABN AMRO can offer a sustainability discount and various financing options for a sustainable home.

Mortgage for rental property

If you’re moving and want to keep your current home to rent it out, you may be able to take out our Hypotheek voor verhuur (mortgage for rental property or buy-to-let mortgage) if you already have an ABN AMRO mortgage. Read about the benefits and things to bear in mind to find out if it’s right for you.

Free online seminars

Our experts in expats organise events throughout the year outlining what buying a home in the Netherlands involves. We explain the relevant Dutch regulations and legislation and what your options are.

Reasons for taking out a mortgage with ABN AMRO

Direct contact with a home expert

Videoconferencing makes it easy. Simply use your computer, smartphone or laptop.

Expert in Expats

Receive personal, expert mortgage advice to help you make the best decisions.

Discount on your mortgage interest

Client discount of up to 0.2% if you have an ABN AMRO payment package. And a sustainability discount of up to 0.15% when you buy an energy-efficient home or take further sustainability measures.