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Buying a house step by step

Below, you will find all information concerning house purchase

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1. Documents

Send documents so that we can calculate your credit rating. We will check the amount for which you can buy a house free of charge. Next, we will contact you to arrange a free consultation at our office. (What documents dI need?)If you are a temporary worker, you can fill out the Application for job prospects

2. Mortgage consultation

During the consultation, we will explain to you how and where to look for a house and what house will be best for you. We try to include “surprise” houses on the list, which you won’t find online. We will plan meetings and accompany you in viewing houses. If one catches your eye, we will negotiate the best price for you.

3. Mortgage with low interest rate

We are an independent mortgage consultant, collaborating will all institutions in the Netherlands. After you choose a house, we always look for the bank that offers the lowest interest rate on the market. We provide consultations on how to select house insurance, life insurance, etc. Getting a mortgage may last up to 6 weeks.

4. Receiving keys

After a mortgage is granted, we will arrange a meeting with a notary for you as well as final inspection, during which we will thoroughly check the condition of the real estate. We will be there together with you as you sign documents at the notary’s office and receive the keys to your new house.

5. Periodical auditing of mortgage

With the help of the OKK service, we regularly check whether it is possible to reduce the costs of a mortgage loan. This way, you can be sure that you will not only get the right advice when you take a mortgage loan but also throughout this loan’s entire period! (read more…)

6. After purchase

After receiving the keys, we will make sure that all tax-deductible costs are transferred to your account as quickly as possible. We will also connect all utilities (water, electricity, gas, internet) and help you with incomprehensible correspondence.

Required documents

Required documents

  • copies of personal ID cards or passports
  • employment contracts
  • Jaaropgave from the last 3 years
  • payslip from the last month (so-called solaris)
  • income statement (werkgeversverklaring)
  • potential loan, rate, credit or debit card agreements

If you have a company

  • jaarrekening (annual accounts) from the last 3 years at the most
  • IB aangifte (tax settlement) from recent years.
    (You don’t need to have 3 to buy a house.)
  • copy of KvK

Where to send documents

Download the income statement form (werkgeversverklaring).

Please send all the required documents to:

After receiving documents, we will contact you within 5 workdays to arrange a free consultation with one of our mortgage consultants. This will be a meeting concerning the process of purchasing a house and mortgage.

If this is still not possible at this time, we will prepare an action plan for you, showing when it will be feasibly possible.


About us independently arranges mortgage loans for its clients.


The majority of foreigners staying in the Netherlands live in rented apartments. They are often very expensive, and their quality leaves much to be desired. Not many people know that they could buy their own house in the Netherlands, and this is possible even is someone is working through a temporary work agency! The monthly fees for living in your own house are usually much lower than rent. Furthermore, by paying off a mortgage loan, the new owner slowly builds their own equity, and the real estate in the Netherlands will be fully paid off when he reaches retirement age. What an excellent retirement bonus!

Who are we? is a Dutch company owned by Dirk Swinkels and Ilona Swinkels-Wojda. The company employs a total of 51 employees (speak English and Dutch). combines the hard working mentality (we don’t get sick often and work hard) and the Dutch mentality of long-term planning. We are also with you after you receive your keys!

The company specializes in mortgages and insurance for foreigners living in the Netherlands.

We created Domek Experience, where you can talk about your future in peace in a homely atmosphere with a play area for children.

Why us? is an independent mortgage consultant, holding the AFMi certificate and registered in the RFD (register financieel dienstverlener). specializes in obtaining mortgage loans for subsidized houses and apartments (there are various forms of this subsidization: Starterslening – Koopgarant – Slimmer Kopen etc.) as well as deposits for renovation (so-called bouwdepot).

We cooperate with many banks, which translates to the lowest interest rate on the market – we choose the bank that currently has the lowest interest rate for you and choose the cheapest life insurance.

We buy throughout all of the Netherlands. Regardless of where you want to buy a house, the cost of is the same. It doesn’t matter how many kilometers separate us from your dream house. We travel there at no expense to you.

If you don’t choose anything, you don’t pay anything. There are no advances with us!

Dirk Swinkels has great contacts with real estate agents throughout the Netherlands. He also includes additional “surprise houses” in the list of houses. These are houses sold by banks, houses after evictions, houses on auction, etc., which are sold up to 40% below market price.

You get consultations and credit rating calculations for free.

We work with all brokers on the real estate market and are completely independent – we receive no commissions from real estate agents. Our rule is transparency, the client sees all costs.

Full loan accounting service.

Our office, which we call Domek Experience, is a 3000m2 surface which contains our meeting places, recreational areas (television, good coffee, and a bar) and play areas for children both indoors and outdoors.