Many people renting a home in the Netherlands eventually start thinking about buying their own property. What many do not realize is that in some cases, it may be possible to buy the home you are already renting.
This can be an attractive solution if you like the neighborhood, do not want to move, and would rather invest in your own future instead of continuing to pay rent.
Buying a home from a housing corporation
In the Netherlands, some housing corporations allow tenants to buy the property they are renting.
A lot depends on the housing corporation and its rules. In some cases, tenants may receive:
- first purchase rights,
- preferential buying conditions,
- or even a discount on the property price.
For many people, another major advantage is that:
- the price is often determined in advance,
- there is no need to compete with other buyers,
- and the entire process can be planned more calmly.
The property valuation is usually carried out by an independent appraiser.
Can you get NHG when buying your rental home?
In many cases, yes.
If the property meets the NHG (Nationale Hypotheek Garantie) conditions, it may be possible to receive additional mortgage protection.
For many buyers, this means:
- greater financial security,
- better mortgage conditions,
- and additional protection in difficult life situations.
What if the property needs renovation?
Sometimes the property you want to buy needs renovation or modernization. In practice, this does not have to be a problem.
In many cases, it may be possible to:
- increase your mortgage,
- use a bouwdepot,
- or arrange renovation financing.
This allows many homeowners to gradually renovate the property and increase its value at the same time.
Buying your rental property from a private landlord
Some people rent homes in the private sector. In these situations, it may also be possible to buy the property directly from the owner.
Everything depends on the landlord’s plans. Sometimes the owner wants to sell the property or prefers to sell it to the current tenant.
This can be a convenient solution for both sides:
- you do not need to move,
- and the owner can sell the property without searching for a new buyer.
What if your borrowing capacity is too low?
This is one of the most common situations.
Sometimes the value of the property is higher than the maximum mortgage you can obtain. However, this does not always mean you have to give up your plans.
Depending on your situation, it may be possible to:
- check subsidy options,
- increase your income,
- include overtime hours,
- buy the property together with your partner,
- or explore alternative financing options.
That is why a proper financial analysis before starting the buying process is so important.
Why do many people decide to buy the home they are renting?
For many people, it is the natural next step.
Instead of paying high rent every month, more and more people prefer to invest in their own home and build their own financial future.
Additionally:
- you do not need to change neighborhoods,
- you already know the property,
- you can plan your future with more stability,
- and you often avoid the stress of searching for another home in a competitive housing market.
Domek helps with more than just mortgages
At Domek, we help clients explore the possibility of buying the home they currently rent and guide them through the entire purchasing process in the Netherlands.
With more than 15 years of experience and a team of over 100 professionals, we help with:
- mortgage calculations,
- mortgages,
- communication with housing corporations or landlords,
- NHG,
- renovation financing,
- bouwdepot,
- and all formalities related to buying a home.
We guide our clients through the entire process — quickly, clearly, and in their own language.
FAQ – buying the home you rent in the Netherlands
Can I buy the apartment I currently rent?
In many cases, yes. Everything depends on the property owner or the housing corporation’s rules.
Can I get a discount when buying a property from a housing corporation?
Some housing corporations offer tenants preferential conditions or discounts when purchasing the property.
Do I need to move out to buy the home?
No. That is exactly why buying your rental home is such an attractive solution for many people.
Can I get a mortgage to buy the property I rent?
In many cases, yes. Everything depends on your financial situation and the property value.
Can I finance renovations after buying the property?
Yes. Depending on your situation, it may be possible to use a bouwdepot or increase your mortgage.
Want to check if you can buy the home you currently rent?
Contact Domek.nl. We will analyze your situation free of charge and help you find the best solution based on your possibilities.
Call us: +31 88 1021 500
Email: info@domek.nl
