Buying a home in the Netherlands
Clear mortgage advice for expats
Buying a home as an expat doesn’t have to be complicated. We take care of the process, connect you with the right people, and make sure you meet all requirements. That way, you can focus on finding the right home, while we make sure the financing is secure.
- Am I eligible for a mortgage in the Netherlands with my current residence permit and work contract?
- Which banks offer the best mortgage options for expats?
- How much can I borrow, and what will my monthly costs be?
Ontvang
Gratis
Persoonlijke
berekening
Buying your home, step by step
How we guide you from first meeting to getting the keys
You’ve decided to buy a home in the Netherlands – an exciting step, but one that comes with a lot of questions. Where do you want to live? What kind of place will feel like home? How long do you plan to stay? And how will your visa or residence permit affect your mortgage options?
Getting clear on your plans and situation from the start helps you make confident choices later.
Before you start viewing homes, you want to know exactly what you can spend, and what will feel comfortable each month.
Your income, any existing loans, and even opportunities like the 30% ruling or buying together with a partner all make a difference. By understanding your real price range, you can search with focus and avoid the disappointment of falling for a home that’s out of reach.
The Dutch mortgage system may be different from what you’re used to. Annuity or linear? Fixed or variable interest? Which banks welcome expat buyers? Understanding the differences – and how they affect your monthly costs now and later – makes it much easier to choose the right fit. You’ll also see which lenders offer extras that could be valuable for you, such as the option to make extra repayments, take your mortgage with you if you move, or set aside money for renovations.
By now, you’ll have a clear view of what’s possible. Together, we match your mortgage choice to your personal plans, whether you prefer lower monthly costs now, more flexibility for the future, or a balance of both.
This is also when your financing plan lines up with your buying strategy, so you’re ready to make a competitive offer when the right home comes along. The goal: a mortgage that fits your lifestyle today and still works for you in the years ahead.
Once you’ve had your offer accepted on a home, it’s time to secure the financing.
This means gathering the required documents, submitting your mortgage application, and making sure every detail matches the purchase agreement. We coördinate with your lender, notary, and estate agent so that deadlines are met and everything is in sync.
When the lender’s mortgage offer arrives, we review it with you line by line. Only when you’re completely confident do you sign – knowing your mortgage and your home purchase fit together perfectly.
With your mortgage signed and approved, the focus shifts to the final handover of your new home.
Before that big day, we check in to make sure everything is in place with your notary, estate agent, and seller, so there are no last-minute surprises.
On the day you get your keys, you can step inside knowing the financial side is rock solid.
And our support doesn’t end there.
If you decide to renovate, change jobs, move abroad, or buy again in the future, you can call us to see if your mortgage is still the best fit. That way, your home financing keeps working for you – now and for whatever comes next.
Your personal home team
One point of contact, everything taken care of
Buying a home in another country comes with extra questions and challenges, from understanding local rules to gathering the right documents for your mortgage. With HR Home, you’re not dealing with separate agents and advisors.
You have one dedicated contact who knows your plans, your situation, and your timeline. Behind the scenes, our team of mortgage specialists, buying agents, and other experts work together to make sure everything runs smoothly and on time. That means no gaps, no missed details, and complete confidence that your move into your new Dutch home will go exactly as planned.
Amber en Joran found
“a home for their family”
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