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Mortgages

How to buy a house in the Netherlands

Buying a house in the Netherlands? How does it work

Even if you don't plan to be in the Netherlands for ever, it could be worth buying a home. Watch our video to find out about our Mortgage application process and services, for all International Customers.

 

Interest-only Mortgage

  • You only pay the interest on your mortgage each month. This gives you lower monthly payments. You do not pay back any of your loan until the end of the mortgage period.

  • You may deduct the interest payments from your taxable income. The debt remains the same as you do not pay any of it back. The amount of interest you pay also remains constant.

  • If you took out an Interest-only Mortgage before 1 January 2013, you may deduct the interest you pay from your income for tax purposes. This means that you retain  maximum tax benefits.

  • If you have taken out an Interest-only Mortgage since 1 January 2013, the mortgage interest you pay on the new Interest-only Mortgage is no longer deductible from your income for tax purposes. 

 

 

Level-Payment Mortgage

  • Your monthly repayments remain the same. At the start your repayments are low and the interest high. Later you repay more while the interest is lower.

  • Entitled to mortgage interest deduction? Then your monthly repayments will be lower at the start. Later on you will have to pay more each month.

  • As you will be making repayments each month, you will be assured that the loan will be repaid in full.

  • You may deduct the mortgage interest from your income for tax purposes. 

 

Linear mortgage

  • The amount to be paid back will decrease steadily as you will be paying back a fixed amount each month. Interest will be paid on the loan. The amount of interest you pay will also decrease steadily. This means that you will be able to save money for other purposes in the future.

  • With the Linear mortgage you pay back a fixed amount each month. This means that you will pay back your loan in fixed segments. You will be assured that you will have repaid the loan in full by the end of the mortgage period.

  • You may deduct the mortgage interest from your income for tax purposes.

 

Mortgage advice

If you would like to learn more about the available mortgage options, contact us to make an appointment. The orientation meeting is free.

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Contact us (from outside the Netherlands)

If you're here for a while, consider buying a house

It can be cheaper than renting

international clients

You can buy a house even if you're not here forever. The monthly costs could be lower than renting. If you pay taxes here, you'll get a tax break.