Take the stress out of house hunting in the Netherlands

Why internationals trust Expat Mortgages and how a special insurance product can help you bid on a house.

Welcome to the Netherlands

Welcome to the Netherlands, a country full of opportunity, character and charm! For many internationals, building a life here means finding a place to call home. But this is also a small country with a growing number of households. Anyone who has started the search for property will tell you: it’s competitive, it moves fast, and it can be confusing if you’re new to the system. That’s why working with experienced professionals is one of the smartest steps you can take.

Buying a home might be the better option

With rental prices soaring and housing stock limited, buying a home in the Netherlands is an increasingly attractive option. Experts at Expat Mortgages believe that if you’re planning to stay for more than three years and you’re currently paying a high rent, purchasing a home could be the cheaper option. This is because the Netherlands still has tax perks that mean you can offset some of your mortgage interest payment against income – something you cannot do with renting. Although the Dutch market can go up and down, in the longer term, house prices traditionally rise. Many financial providers offer mortgages, rates are competitive and there is no sign demand will decrease. Many expats find owning their own home brings a strong sense of rootedness and stability.

One size doesn’t fit all

At Expat Mortgages, we’ve been helping internationals for over 18 years. Our clients come from all over the world: people on temporary contracts, those buying while still abroad, families ready to settle after years of renting or professionals looking to invest in their future. Everyone’s story is different, and there’s no one-size-fits-all approach. That’s why we take the time to listen, explain and tailor our advice to your specific situation. The Dutch housing system is unique, with its own quirks, risks, and requirements. That includes legal and financial steps that may not exist in your home country and important deadlines and fees that could trip you up if you’re not prepared.

Standing out as a buyer: the Secured Bidding Plan

At the moment, particularly in popular locations and at lower prices, sellers often receive multiple offers. Winning a property is not just about offering the highest price but making the strongest bid.

This is why Expat Mortgages has partnered with an insurance company to offer the Secured Bidding Plan (SBP). When you make an offer normally, we recommend using a financial clause so that you do not have to pay the 10% penalty if you fail to get a mortgage. But sellers prefer an offer with less risk. This plan covers the penalty for any property worth up to €750,000, so you can make a secure offer that is not subject to financing.

Here’s how it works:

1. Comprehensive Financial Review: Your Expat Mortgages consultant conducts a thorough assessment of your financial situation.

2. NWB Certification: Once approved, you receive a certificate from NWB (Nationale Waarborg), serving as a warranty.

3. Stronger Bids: With this certification, you can place bids confidently without needing a ‘subject to finance’ clause, making your offer far more attractive.

Trusted by thousands of internationals

Yes, working with an independent mortgage advisor does come with a fee but it can save you money, time, and stress in the long run. Banks charge for advice too and they usually only offer their own products. We’re fully independent, and we look at the whole market to find the best mortgage for you. We also have a trusted network of professionals estate agents, legal advisors and insurance experts who can guide you through every part of the home-buying process.

Let’s talk

If you’re thinking about buying a home in the Netherlands or house-hunting but feeling a bit lost, we’d love to help. We offer a free, no-obligation consultation so you can explore your options, ask your questions, and get a clear picture of what’s possible. To get started, visit www.expatmortgages.nl or send us an email at customers@expatmortgages.nl. We’re here to support you every step of the way.

For more on how Expat Mortgages can help you find your dream house in the Netherlands click here