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How to buy your first home in the Netherlands

Buying a first home is one of the biggest topics among expats. It’s an exciting life event, but it can also feel confusing if you are unfamiliar with rules or language. The good news? With the right guidance and preparation, it doesn’t have to be stressful. Book a call with one of our expert mortgage advisors — we help you get on the right track.

What are the requirements to get a mortgage in the Netherlands?

To get a mortgage in the Netherlands, you need a BSN number (citizen service number). To apply for a mortgage you need to provide your latest payslip, proof of income, and employment contract. If you are a non-EU citizen, a valid residence permit is required. The amount you can borrow depends on your income — usually up to 4.5 times your gross annual salary. If you qualify for the 30% tax ruling, your borrowing capacity increases.

How much mortgage can I borrow in the Netherlands?

In the Netherlands, it is possible to borrow 100% of the property’s market value. For example, if a property is valued at €350,000, you can borrow the full €350,000 as a mortgage.

To complete the purchase, you need to cover additional costs separately. These typically include:

  • Transfer tax (if applicable)

  • Notary fees

  • Property valuation report

  • Real estate agent fees

  • Mortgage advisory fees

  • Other costs related to the purchase.

To calculate your mortgage, contact our mortgage advisors. Get clarity about your mortgage amount, monthly payments, closing fees, and tax-deductible costs.

Step by step guide

1Know your budget

Before starting to search for a home, the first step is to know your budget. In a free, no-obligation introductory call, we calculate your maximum mortgage, monthly payments, and additional costs. You receive expert guidance tailored to your situation, so you can search the housing market with confidence.

After the call, your dedicated advisor remains your point of contact — ready to support you with any questions and guide you through the entire mortgage process.

2Searching for a house
3Placing an offer
4Arranging your mortgage
5Your appointment with the notary

Know your budget

Before starting to search for a home, the first step is to know your budget. In a free, no-obligation introductory call, we calculate your maximum mortgage, monthly payments, and additional costs. You receive expert guidance tailored to your situation, so you can search the housing market with confidence.

After the call, your dedicated advisor remains your point of contact — ready to support you with any questions and guide you through the entire mortgage process.

Contact our mortgage advisors

Our mortgage advisors are here to help you get a clear insight into your mortgage options when you plan to move. We help you understand your situation and decide what makes the most financial sense.

Luc Zwaan

Adviseur

Toni van der Flier

Adviseur

Our happy clients

4.9/5 op basis van 812 reviews

Luc was very informative, he made sure to explain everything I needed to know as a first time buyer. He made sure to be available for all my questions and inquiries. The process went very smoothly, and approval was quite quick.

Reem

6/23/2025

Bart is such a great mortgage advisor. He is reliable, knowledgeable and explains every details to me with great patience. It is a very smooth process to get 2 mortgage applications approved!

Melanie

6/19/2025

He helped us through the whole proccess, always helping us with our doubts and questions

F.N.S

6/15/2025

Fijn gesprek, goede begeleiding, betrouwbaar en snelle afwikkeling..Dank je wel Luc!

Renu

5/2/2025

Erg prettig en snel geholpen door Bart en vervolgens tijdens zijn vakantie door Toni. Wij zouden OHAO zeker aanraden!

R.R.

4/5/2025

Fantastisch geholpen door Luc! Bij OHAO denken ze echt met je mee. Ze helpen je niet alleen met het vinden van een passende hypotheek, ze kijken ook hoe dit het beste aansluit op jouw wensen en situatie.

Fabian

3/26/2025

Wij hebben de samenwerking met adviseur Toni en OHAO als zeer prettig ervaren. Toni is deskundig, reageert snel op vragen en heeft ons van het juiste advies voorzien.

RS

3/26/2025

He is always around to help. and you can make sure that you will nost miss anything

Matt

3/18/2025

Proffessional, knowledgable, helpfull, reachable,

anonymous

1/25/2025

Toni is erg behulpzaam en denkt mee met de klant. Hij antwoord snel en duidelijk op alle vragen. Top service!

MGG Barraco

1/7/2025

Super goed geholpen door Luc. Vanaf het begin tot eind super behulpzaam en alles duidelijk uitgelegd! Wij bevelen hem zeker aan en als we in de toekomst weer hypotheek advies nodig hebben zullen we zeker weer aankloppen!

Elise

1/2/2025

Toni was heel behulpzaam en meedenkend. Ik raad OHAO aan.

Altay

12/20/2024

Really supportive and professional to get the best one for me. My case could be special, thanks to his service, I am happy with the result.

Cindy

12/11/2024

Bart was so helpful, would recommend him to anyone! He took the time to explain every aspect to me and I couldn't have done this process without him. Thank you Bart!!!

Rachael

12/10/2024

Toni helped us secure a mortgage, guarantee, and life insurance for our first house in the Netherlands. He was patient, guided us in a way that gave us agency and kept us informed, and was fantastic throughout the process!

Kasia L.

12/6/2024

Luc is een zeer goede adviseur met een hele prettige manier van samenwerken. We hebben deskundig advies gekregen over onze vrij complexe casus en daarbij een passende financiering gekregen.

I. H.

12/6/2024

Ik ben zeer goed geholpen; de service was snel, duidelijk en professioneel. De hypotheekadviseur nam de tijd om alles helder uit te leggen en al mijn vragen te beantwoorden.

Wouter

12/4/2024

Luc was extremely helpful from beginning to end. He gave us all the inputs necessary to have the smoothest process possible. Thanks, Luc.

Lucas

10/14/2024

Zeer professionele begeleiding tijdens de aanvraag van de hypotheek. Bart neemt uitgebreid de tijd om je zo goed mogelijk te informeren. Daarbij is hij erg prettig in de omgang, zeer flexibel en reageert hij altijd snel.

Wessel

10/12/2024

Bart was super helpful to make the best choice and he also explained to me all the details and different information around the dutch mortgages. OHAO was well recommended by a friend and I couldn't be happier about it!

Lucas

9/15/2024

OHAO heeft mij uitstekend geholpen in het gehele financieringstraject. Als starter had ik veel vragen, die snel en vakkundig werden beantwoord. Binnen twee weken was de aanvraag van de hypotheek geregeld. Toni en Luc, bedankt!

RB

9/8/2024

Toni helped me answering all my questions quickly from start to end. I got all the documents sorted out easily and the whole process went very smooth. Highly reccommend.

Simone

6/28/2024

Luc heeft supergoed ondersteund in het verkrijgen van een hypotheek en verschafte mij met al de benodigde informatie.

Hans

5/23/2024