How the Dutch buying process works
A verbal agreement on price is not binding here. Only the signed deed counts, and after that you have three days to reconsider.
What is different from most other countries
The most important difference: a verbal agreement about the price does not bind either party. Only the signed purchase deed does. After signing, you as the buyer have three days of statutory reflection in which you can withdraw without giving a reason.
Transfer takes place at the notary, who draws up the deed of transfer and registers it with the Land Registry. The notary is neutral and acts for both parties. Kosten koper means that you as the buyer pay the transfer tax and the costs of the deed.
Bear in mind that the additional costs add up to a considerable amount on top of the purchase price: transfer tax, notary, valuation, technical survey and advisory fees. We list them for you in advance so you know how much of your own money you need.
See the full step-by-step processGetting a mortgage when you are new here
Whether you can get a mortgage depends on your employment contract, your residence status and your income. A permanent contract with a Dutch employer makes it simpler; a temporary contract or foreign income takes more work but does not rule it out.
We work with mortgage advisers who handle these applications regularly. Importantly, start that conversation before you begin bidding rather than after: you want to know what you can borrow before you commit to anything.
For the tax side, such as arrangements for incoming employees, we refer you to a tax adviser. Those rules change regularly and we would rather not give advice that is out of date next month.
From accepted offer to keys is usually a few weeks to a few months, depending on the agreed transfer date.
Transfer tax, notary fees, valuation, technical survey and advisory fees. We list them in advance.
Often yes, but it depends on the lender. Start the mortgage conversation before you begin bidding.
That the buyer pays the transfer tax and the cost of the deed of transfer, on top of the purchase price.
Want it explained properly?
We walk you through the whole process in English before you make your first offer.