Buying your first home in the Netherlands
As a first-time buyer you start without surplus value from a previous home, so your income and savings largely determine what is possible.
English Nederlands
Start with a clear picture
Before viewing homes it helps to know your indicative borrowing capacity and your monthly comfort zone. That prevents disappointment and makes your bid more realistic.
Costs to take into account
- Buyer's costs such as notary, valuation and advice fees.
- Transfer tax, with a possible exemption for buyers aged 18 to 34 within a price limit.
- A financial buffer for moving and any renovation work.
Points of attention
- A gift from family (schenking) can increase your options; conditions apply.
- Study debt is taken into account when calculating your maximum mortgage.
- With NHG you may benefit from a lower interest rate and extra security.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Frequently asked questions
- Can I buy a home on a temporary contract?
- Often yes, especially with an employer's statement of intent. The assessment differs per lender.
Last updated: 27 August 2026