Guides
Plain-language explanations, with sources. Not advice.
Buying a house in the Netherlands as an expat (2026)
Can foreigners buy property in the Netherlands? What you need, what it costs in 2026 and how long it takes from viewing to notary. With an example.
Updated
Buying costs in the Netherlands (kosten koper) explained
What kosten koper means, how much transfer tax you pay in 2026, who gets the first-time buyer exemption and which costs come from quotes. With an example.
Updated
Dutch house price forecast 2026-2027: DNB and banks
Dutch house prices according to CBS and the Kadaster, and what DNB, Rabobank and ABN AMRO expect for 2026 and 2027, with dates and regional gaps.
Updated
Dutch mortgage rate forecast: ECB and bank views
Where Dutch mortgage rates come from, what the ECB, ABN AMRO and Rabobank expect (with dates) and how to choose a fixed-rate period. With a worked example.
Updated
Getting a Dutch mortgage on a temporary contract
A Dutch mortgage without a permanent contract in 2026: declaration of intent, 3-year average, Labour Market Scan and Perspective Statement.
Updated
House-buying steps in the Netherlands, start to finish
Buying a home in the Netherlands in 2026, step by step: budget, viewings, offer and conditions, contract, cooling-off and notary. With an example.
Updated
How much can I borrow? Dutch mortgage limits in 2026
How Dutch lenders set your maximum mortgage in 2026: income, test rate, student debt, partner income and the NHG limit. With a worked example.
Updated
NHG mortgage explained: 2026 limit, fee and benefit
What the Dutch National Mortgage Guarantee is, the 2026 NHG limit, what it costs and what you gain. With an example at the average house price.
Updated
Overbidding on Dutch homes: how often and how much
How often Dutch buyers pay above asking in 2026, what happens if the valuation is below your offer and how much savings you need. With an example.
Updated
The 30% ruling and your mortgage: 2026 and 2027 rules
How the 30% ruling works in 2026, what changes from 2027 and what it means for your Dutch mortgage. With a worked example and open questions.
Updated