Buying a house
Step by step to your own home
We help you move forward with buying a home. Choose your situation or use our handy step-by-step guide.
Want to buy a home in the Netherlands?
From budgeting and bidding to signing at the notary, there's a lot to figure out.
Check our video for a step-by-step guide to become the proud owner of a home in the Netherlands
Step-by-step guide to buying a home
A new home in 5 steps.
1. Determine your budget
Calculate how much you can borrow and estimate your monthly costs. Don’t forget the extra costs like notary fees and taxes (3–5% of the home’s price).
Calculate your mortgage
Need a more accurate calculation? Speak with one of our mortgage advisers for tailored advice.
2. Finding a home and making an offer
Search for homes via platforms like Funda or hire a real estate agent (makelaar). Once you find a home, make an offer and sign the purchase agreement. Don’t forget to include a financing condition and, for older homes, a structural inspection clause.
Good to know:
During one of our free and English-spoken webinars, a mortgage adviser will tell you all about the Dutch housing market and the associated legislation and regulations. We organise live webinars all year round, or you can watch the webinars on demand, wherever and whenever you like.
3. Arranging your mortgage (takes around 4 weeks)
Gather the necessary documents and work with your adviser to finalize your mortgage. The bank will review your details and issue a formal mortgage offer. This process typically takes around 4 weeks, divided into 3 phases: collecting documents, consultation, and bank review.
4. Preparing the funds
Once your mortgage is approved, the bank prepares the funds and coordinates with the notary to ensure everything is ready for the handover date. This step ensures a smooth transfer of ownership.
5. Take out a mortgage
On the transfer date, sign two key documents at the notary: the deed of transfer, which makes you the official owner, and the mortgage deed, which finalizes the loan. Once signed, you’ll receive the keys to your new home!
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.