How to buy a house as an Expat

Gepubliceerd op 5 januari 2023 om 13:10

There are no specific restrictions on foreigners buying property in the Netherlands. However, there are a few things to consider if you're an expat looking to buy a house in the Netherlands:


  • First, you'll need to have a Dutch bank account and a fiscal (tax) number. You can open a bank account at any Dutch bank, but you'll need to provide proof of identity (such as a passport) and your address in the Netherlands. You can apply for a fiscal number at the Dutch tax office (Belastingdienst).

  • It's also a good idea to get a mortgage from a Dutch bank. This can be a little more complicated for expats, as you'll need to provide proof of income and other financial information. However, it's generally easier to get a mortgage if you have a job in the Netherlands or if you can demonstrate that you have a stable income from another source.

  • You'll also need to find a real estate agent or broker to help you find and purchase a property. Look for someone who is experienced in working with expats and who speaks English (or your preferred language). We like to help you in this journey as 365-makelaars. Please reach us via the contact form or give us a call. 

  • Finally, be prepared to put down a substantial down payment. In the Netherlands, it's common to put down 2-4% of the purchase price as a down payment, although this can vary depending on your financial situation and the type of property you're buying.

I hope this information is helpful! Let us know if you have any other questions.