Buying a house in the Netherlands in 5 steps

Start by finding out how much you may be able to borrow. Knowing your budget helps you understand which homes may be within reach before you start viewing.

Use our Mortgage Calculator for a first indication of your maximum mortgage.

Calculate my mortgage

Your maximum mortgage (maximale hypotheek) mainly depends on your gross income, your contract type and any existing debts, within national lending limits that are updated each year. A second income, the 30% ruling and the home’s value also play a role. A personal mortgage calculation gives a far more accurate figure than a rule of thumb before you start viewing homes.

You may have more possibilities than you think. The first step is to compare your current situation with what you may be able to borrow for a home.

You can start with our Mortgage Calculator or use our Rent or Buy check to explore whether buying could be an option for you.

Rent or buy

No. It can actually be useful to understand your mortgage possibilities before you start looking.

Knowing your approximate budget helps you search in the right price range and means you are better prepared when you find a home you want to buy.

Yes. Finding and viewing a home is part of the webinar. We explain how the search process works and what happens when you find a property you want to buy.

Domek can also help you with the actual search, arrange viewings and guide you through the buying process.

Once you have found the right property, you need to decide on your offer and any conditions. If your offer is accepted, the purchase agreement and mortgage process follow.

Domek can guide you through these steps, from the viewing and offer to arranging your mortgage and getting the keys.

A permanent employment contract is not always required. Whether your income can be used for a mortgage depends on your employment situation and the lender’s requirements. A mortgage adviser can assess your situation and explain your possibilities.

Self-employed buyers can also apply for a mortgage. Different financial documents are usually required to determine the income that can be used for the mortgage application.

Yes. Buying together can increase your combined buying power. With Domek, it is possible to explore buying with up to four people, depending on your personal and financial situation.

Buy a house together

Yes. Domek combines buying support with independent mortgage advice.

We can help you understand your budget, find a suitable home, arrange and attend viewings, make an offer, arrange your mortgage and guide you through the final steps until you get the keys.