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1. Know your budget
Get an estimate of the value of your current home* or your borrowing capacity.
2. Finding a Property & Hiring a Realtor
Recommended: Start by browsing listings on platforms like Funda.nl. Once you find a property you like, compare quotes from local realtors (aankoopmakelaars).
Compare with other alternatives:
| Option | Pros | Cons |
| Hire a realtor from the start | Easier to find properties, access to off-market listings | Highest fees |
| Find a property, then hire a realtor (Recommended) | Cheaper, realtor helps negotiate & manage paperwork | Harder to find a property alone |
| No realtor (Not Recommended) | No realtor fees | High risk, complicated process, potential costly mistakes |
3. Make an Offer
Your realtor will help you make a smart bid.
Tip: A local realtor with an established network can help you save by suggesting a smarter bid based on their market insight.
4. Hire a Building Inspector
If your offer is accepted, hire a local building inspector for a structural evaluation (bouwkundige keuring).
5. Find a Notary
You’ll need a notary (notaris) to handle the official transfer of ownership. Prices vary, so it’s smart to compare quotes.
6. Sign the Purchase Contract
The purchase contract (koop kontrak) affirms your intention to buy. The realtor will guide you through this step.
7. Secure a Mortgage
Work with a mortgage advisor (hypotheekadviseur) to find the best deal. Online advisors are often faster and more affordable.
We’ve handpicked the top-rated, cost-effective mortgage advisors in the Netherlands.
8. Pay your Deposit
The notary will ask you to transfer a deposit (usually 10%) by a specific deadline.
Tip: A bank guarantee is also an option, but it comes with extra fees.
9. Secure Life Insurance
Many lenders require life insurance as part of the mortgage process.
Compare providers online to find the best coverage and rates
10. Final Signing & Key Transfer
Congratulations — you’ve made it! At the notary, you’ll sign the final documents and receive the keys to your new home.
SuperSpaar.nl and GooDiverse are not registered financial, investment, mortgage, legal or tax advisors. Superspaar.nl provides general savings advice and personal budgeting tips. We do not offer individual financial product recommendations, investment advice, or mortgage advice. For specific financial products or regulated financial services, please consult a licenced financial advisor. All opinions expressed on this site are from personal research and the owner’s experience and are intended as educational material. Although best efforts are made to ensure that all information is accurate and up to date, occasional unintended errors and misprints may occur.