So, you decided you are staying in the Netherlands, maybe it’s the cozy canals, the stroopwafels, or the good work-life balance. And now you’re thinking: “Could I actually buy a place here?”
Good news: you totally can. Getting a mortgage in the Netherlands as an international might sound intimidating, but it’s more doable than you think. I’ve broken it down into steps so you can feel confident (and maybe even excited?) about the journey ahead.
Can Internationals Get a Mortgage in the Netherlands?
Yes. Dutch banks and mortgage lenders are generally open to working with internationals, especially if:
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You have a valid residence permit or you are an EU/EEA citizen.
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You earn income in euros (or a stable foreign currency).
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You’ve lived and worked in the Netherlands for a while.
EU/EEA citizens typically face fewer hurdles, while non-EU nationals may need to meet additional requirements.
Step-by-Step Guide to Getting a Mortgage
1. Determine Your Budget
Use online mortgage calculators to estimate:
2. Assess Your Financial Situation
Dutch lenders will look at:
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Your income (salary, bonuses, freelance earnings).
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Employment status (permanent vs. temporary). Tip: If you have temporary employment you can ask your employer to give you a letter of intend (werkgeversverklaring) that your contract will become permanent in the future.
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Existing debts or financial obligations.
Tip: Most banks require you to have lived in the Netherlands for at least 6 months.
3. Choose a Mortgage Type
Common Dutch mortgage types:
- Annuity Mortgage - Fixed monthly payments; interest decreases over time.
- Linear Mortgage - Monthly payments decrease; interest drops faster.
4. (Optional) Find an Independent Mortgage Advisor (Hypotheekadviseur)
Especially helpful for internationals, advisors:
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Compare lenders and rates.
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Explain Dutch legal and financial terms.
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Help with paperwork and negotiations.
Documents You’ll Need
Prepare these in advance:
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Valid passport or ID
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Residence permit (if applicable)
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Employment contract
- Employer's statement (werkgeversverklaring) if you do not have a permanent employment contract
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Recent salary pay slip
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Bank statements
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Proof of savings
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BSN (Dutch citizen service number)
- A copy of the deed of sale (koopakte)
- Property valuation/appraisal report (taxatie)
Your advisor will let you know if any other documents are needed.
Costs to Consider
Besides the property price, you will also need some of your savings for the purchase of a house:
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Transfer tax: 2% of property value if you are older than 35. Persons younger than 35 do not pay transfer tax. Also if you buy a new-built house you do not pay transfer tax.
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Notary fees: €1,000 - €2,000
- Translator (notary): €150 - €300
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Mortgage advisor fees: €1,500 - €3,000
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Valuation report: ~€500
- Technical inspection: €600 - €1000
- Real estate agent (makelaar): Usually 1-1.5% of the purchase cost of the house.
- Overbidding: Varies by location and house from 2% to 10% + for ready to move in houses. (If the house value is the same as the price you overbid then these costs are covered by the mortgage.
Good luck! With a bit of patience and luck you will soon have your dream home!