Mortgage
How much can you really borrow in the Netherlands?
A detailed guide to income assessment, partner income and how the Dutch mortgage system works for you.
8 minRead article →
Taxes
Mortgage interest deduction for Polish homeowners
What exactly is the mortgage interest deduction, how does it work on your tax return and which documents do you need?
6 minRead article →
Construction
What should you watch out for at a viewing?
Ten years of construction experience in a nutshell: the spots in a home where the real costs are hiding.
10 minRead article →
Notary
The Dutch purchase agreement explained
All the common clauses, cancellation conditions and special provisions, translated into plain language.
12 minRead article →
Preparation
Document checklist for your mortgage application
Exactly which documents to gather, in what form and how old they can be at most for a smooth application.
5 minRead article →
Investing
Renting versus buying: an honest calculation
Practical examples from Noord-Holland: what does renting versus buying cost over five, ten and twenty years?
9 minRead article →
FAQ · Frequently asked questionsAnswers to
Answers to
common questions.
Don't see your question here? Send us a message on WhatsApp or by email, and we'll answer personally.
Ask your question →Yes. Having no prior mortgage history in the Netherlands is not an obstacle. Your financing options mainly depend on your income and work situation: a permanent contract, or a fixed-term contract with an employer's declaration of intent to extend it indefinitely. In many cases we can also calculate your borrowing capacity based on your average income over the past three years, using annual income statements (jaaropgaven) or UWV data (verzekeringsbericht). We assess every situation individually, together with our mortgage partner.
A mortgage can cover up to 100% of the property's market value; the additional purchase costs (kosten koper) come out of your own funds, usually around €10,000 to €12,000. If, on the day of the notarial transfer, you are under 35, buying the home for yourself, the value is no more than €555,000 (the 2026 limit) and you have never used the starter's exemption before, you may be exempt from the 2% transfer tax. It does not have to be your first home: if you owned a property before but never used the exemption, you can still qualify if you meet the other conditions. If you use a starterslening, allow roughly €1,250 to €1,500 extra for SVn costs and the second mortgage deed at the notary. Before you buy, we calculate exactly how much of your own money you will need.
On average, there are three to six months between the first intro meeting and the handover of the keys. It depends on how quickly a suitable home is found and how fast the lender processes the application. We keep you updated on the timeline at every step.
The intro meeting and the mortgage calculation are always free and without obligation. For the purchase guidance we charge a transparent fixed fee that we go through with you during that first meeting, tailored to the type of process and the region. No hidden costs, no hourly invoices afterwards.
Yes, alongside purchase guidance we also handle sales. We often see clients who once bought with our help move on to a larger home with us years later. Including all communication with prospective buyers and the notarial handling.
Our main working area is the northern part of Noord-Holland: from Hoorn and Zwaag, via Alkmaar, Heerhugowaard and Schagen, up to Den Helder. We are also active around Purmerend and Zaandam. Looking for a home elsewhere in the Netherlands? Get in touch and we will see whether we can help.
No worries. The entire process can run in Polish or English, from the first conversation up to and including the appointment at the notary. We explain the documents and make sure everything is clear and understandable for you. You only sign once you know exactly what you are signing.
Prefer something more personal?
Some questions are better answered over the phone. Call or WhatsApp us, we'll make time for you.