First-time home buyer

Buying your first home in the Netherlands

Before you buy a property in the Netherlands, ask yourself: what type of property do you want to buy? Are you planning to buy an existing or newly-built apartment? Are you planning to renovate? Where do you want to live? How much home do you want to buy? What about kids?

When you buy a house, you build equity. Building equity means you can earn money from being a homeowner. When housing prices rise, your house value also increases, which means you make money if you sell your house in the future. If you plan to move away from the Netherlands, you can sell your property without additional payments or fees to the bank. Use our calculator to check how much cash you can get after selling the property.

Good to know – how much is the mortgage you can borrow

As a starting point, get in touch with us. We check your financial situation and possibilities. From here, you can start exploring your housing options in the Netherlands.

Our mortgage brokers are the financial specialists who represent you, not a bank. We aim to find the best solution that fits your financial situation and your future goals.

Renting vs. buying a property in the Netherlands?

Renting a room or property is usually a short term solution. You always have the freedom to move away because you are not attached to the property. Yet, rental prices are rising every year. Use our calculator below to check your possible mortgage sum. For example, if your monthly rent is € 1,750, then you can compare the payments to a mortgage of € 500,088.
Contact us to get a personalized mortgage estimate based on your financial situation.

Reversed mortgage calculation

The calculators are made available to you as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

3 different types of mortgages in the Netherlands

Annuity mortgage

  • Level monthly payments
  • Interest payments decline over time
  • Zero debt at the end of the duration

Interest-only mortgage

  • Level monthly payments
  • You only pay interest during the duration
  • Repay your debt at the end of the duration

Linear mortgage

  • Repayments stay on the same amount
  • Interest payments decline over time
  • Zero debt at the end of the duration

Interest payment

There are two types of interest rates in the Netherlands: floating and fixed interest rates. For example, you can choose to fix your interest rate for five years, ten years, or 20 years. A fixed interest rate gives more stability because your interest rate remains the same for the given period. The floating interest rate is usually lower than a fixed rate; however, it can change monthly.
Check the current mortgage interest rates 2020 in the Netherlands.