Buying a home in the Netherlands is an important step for many internationals who plan to stay in the country longer. While renting may seem like the easiest option at first, more and more people are realizing that owning a property can be a smarter long-term decision.
The Dutch housing market continues to attract buyers thanks to stable demand, financing opportunities, and the long-term growth in property values. If you are thinking about buying a home, now may be the right moment to take the next step.
Here are six important reasons why purchasing property in the Netherlands can be a good decision right now.
1. Mortgage interest rates remain historically low
Mortgage interest rates in the Netherlands are still relatively low compared to historical averages. This means that buyers who purchase property now can often finance their home under favorable conditions.
Lower interest rates reduce the overall cost of borrowing and help keep monthly payments manageable. For many buyers, this makes owning a home more accessible than in previous years.
2. Your mortgage can move with you
Many people don’t realize that a mortgage in the Netherlands can sometimes be transferred when you move to a different home.
This means that if interest rates rise in the future and you decide to move, you may be able to keep the favorable interest rate from your current mortgage. In practical terms, it works almost like taking your financing conditions with you to your next home.
This flexibility gives buyers more security when entering the housing market.
3. Rental costs continue to rise
Rent prices in the Netherlands have been increasing steadily for many years. In many cases, rents have risen faster than inflation.
For tenants, this means that housing costs may continue to increase every year. Property owners, on the other hand, typically benefit from stable monthly mortgage payments.
Buying a home can therefore provide more financial predictability and protection from future rent increases.
4. A mortgage may still be possible without a permanent contract
Many internationals believe they cannot obtain a mortgage without a permanent employment contract. In reality, this is not always the case.
If you have been working in the Netherlands for at least 12 months through an employment agency, it may be possible to obtain a perspectiefverklaring (employment perspective statement). This document confirms future employment prospects and can allow lenders to treat your income similarly to a permanent contract.
Entrepreneurs (ZZP) may also be eligible for a mortgage after operating their business for a certain period.
This makes home ownership accessible to many workers who initially assumed it was impossible.
5. Property values have shown long-term growth
Over the past years, property prices in the Netherlands have generally shown strong growth. Although markets can fluctuate, long-term trends suggest that real estate remains one of the more stable investments.
Buying a home earlier can mean benefiting from potential future increases in property value. Many homeowners build equity simply through the growth of the housing market over time.
6. Buying a home is an investment in your future
For many people, purchasing a home is not only about financial investment but also about stability and independence.
Owning your home allows you to:
- Create your own living environment
- Renovate and personalize your property
- Avoid restrictions often imposed by landlords
- Build long-term financial value
In the Netherlands, selling a property is relatively straightforward compared to some other countries. In many cases, homeowners can sell their property whenever they decide to move, giving them flexibility if their plans change.
The all-in-one service for expats
At Domek.nl, we make arranging a loan in the Netherlands simple and stress-free.
With more than 15 years of experience and a team of 100+ professionals, we help internationals understand their borrowing options, compare lenders, and find the loan that fits their situation.
If you decide to buy a home, we will handle all the formalities — before the purchase, during the process, and after the property transfer.
Call us today at 088 1021 500, send an email to info@domek.nl, or fill in the contact form.
