Expat Mortgages: Finding Your Dream Property in the Netherlands

Expat Mortgages:  Work with the Right Experts

Welcome to the Netherlands! A country full of opportunities, yet constrained by limited land and housing. With a population of 18 million and a competitive real estate market, finding your ideal home can be challenging. Whether you’re dreaming of a canal-side apartment in Amsterdam, a countryside retreat, or a modern penthouse, working with the right experts is essential to turning that dream into reality.

Why Buy a House?

Rental prices in the Netherlands are soaring, and while the country boasts the highest level of social housing in Europe, this is rarely an option for newcomers. Waiting lists can stretch over a decade, and strict income rules apply. Private rentals are in high demand, and prices are steep. For many internationals, buying a house can be a more viable long-term option. If you’re planning to stay for at least three to five years and are currently paying high rent, purchasing may simply be cheaper. Historically, Dutch house prices have risen due to high demand and accessible financing, making it possible to even turn a profit over time.

Working with Expat Mortgages

Expat Mortgages has been assisting internationals for over 17 years. Their clients include people on temporary permits, those still abroad but eager to buy, and long-term residents ready to take the step into homeownership. With each client’s situation being unique, Expat Mortgages understands that a one-size-fits-all approach doesn’t always work. The home-buying process in the Netherlands may differ significantly from your home country, with ­distinct procedures, obligations, and ways to protect yourself as a buyer. Particularly in a competitive ­market, it’s crucial to be savvy—avoid overpaying or purchasing a property that will require costly repairs. Many Dutch houses are charming but old, which can come with risks. Additionally, the climate change has affected the foundations of some properties, necessitating repairs.

Expert Advice is Key

It’s essential to arm yourself with advice from experienced professionals who know the local market. They can help you navigate the Dutch buying process, give you time to make informed decisions, and help avoid costly mistakes, such as paying a fine if you’re unable to secure a mortgage. Although working with an independent mortgage advisor may come at a cost, it could save you significant headaches (and money in the long run). Banks charge for mortgage advice too, often offering a narrower range of mortgage options. Expat Mortgages, however, has a wide network of experts, including advisors on house hunting, legal services, and insurance, to ensure a smooth purchase.

Free Consultation

Start your house hunt today by calling 020 717 3908 or emailing customers@expatmortgages.nl to schedule a free consultation and see how much you could borrow! 

020 717 3908

customers@expatmortgages.nl

As originally published in ACCESS magazine.  

For more information about Housing in the Netherlands click here.