Yes — that’s what makes us different. We help you arrange utilities (gas, water, internet), handle tax registration, and manage your home insurance. With Domek, you have one trusted partner for everything related to living and owning a home in the Netherlands.

A mortgage is a long-term loan used to buy a property. The mortgage lender provides the money and, in return, keeps the property as collateral until the loan is fully repaid. Each monthly payment consists of two parts: the capital (the amount borrowed) and the interest (the lender’s charge for the loan). In the Netherlands, most mortgages are repaid over 30 years.

In the Netherlands, it is legally required to arrange a mortgage through a certified mortgage advisor. Domek.nl works with licensed experts who compare offers from multiple banks to find you the best rate. This ensures you understand every step of the process and all legal obligations before signing.

The most common types are annuity and linear mortgages — both qualify for mortgage interest tax deduction and must be repaid within 30 years. There is also an interest-only option for up to 50% of the property value, but that part is not tax-deductible. Domek.nl advisors will explain which type suits your situation best.

On average, it takes 4–6 weeks from submitting the application to final approval. Domek.nl collaborates with selected lenders that can often approve your mortgage within two weeks, depending on your documents and employment status.

The 30% ruling allows eligible highly skilled migrants to receive 30% of their salary tax-free for up to five years. This benefit increases your net income and may improve your mortgage borrowing capacity. Domek.nl can help you understand how this impacts your financing options.

No — you don’t need to speak Dutch. Domek.nl provides full support in your language and arranges a sworn interpreter for official notary meetings if required by law.

You typically need between 6–10% of the property price to cover the down payment and extra costs (taxes, notary, valuation, etc.). Domek.nl will explain all expenses clearly so there are no financial surprises.

Although not legally required, a real estate agent can save you time and money. Domek’s trusted partner agents help you find suitable properties, assess risks, and negotiate the best deal — especially useful if you are unfamiliar with the Dutch housing market.

Yes. Most banks accept temporary contracts if your employer provides a letter of intent confirming the intention to extend your employment. Domek will help you collect and submit all required documents.

Typically, you’ll need your ID or passport, residence permit (if applicable), recent payslips, employment contract, and bank statements. Domek will prepare a full checklist for you before your appointment.

Yes, if the mortgage is used to buy and live in your primary residence. Domek can help you claim this benefit and connect you with trusted tax partners for your annual declaration.