Buying a home comes with many advantages, which is why many people consider this step shortly after moving to the Netherlands. In some cases, however, the borrowing capacity calculated at the outset may be lower than the budget needed for the home you have in mind. When this happens, taking a closer look at the available options can make a real difference.
Borrowing Capacity in the Netherlands
The rules for obtaining a mortgage in the Netherlands differ from those in other countries. One key advantage is that, in most cases, banks can finance up to 100% of the property’s value, meaning a down payment is not always required.
Our online calculator quickly provides an estimate of your mortgage. It is important to note, however, that this figure is indicative and based solely on the information you enter. The final mortgage amount is confirmed after a mortgage advisor completes a full review of your documents. This review is free of charge, and we help you find the most suitable bank offer based on your situation.
How can you improve your creditworthiness?
A lower creditworthiness in the Netherlands may seem like a major obstacle, but it does not mean you need to give up on your plan to buy a home. There are several ways to improve your borrowing capacity:
- Buying a home together with family members or friends
- Increasing your income
- Obtaining an employer’s statement
- Paying off existing loans, debts, and ending active subscriptions
Buying a Home with Family or Friends
If you currently live with friends or family members, buying a property together can be a very effective solution. The more people involved, the higher the combined income considered by the bank, which can significantly increase your borrowing capacity.
In the Netherlands, it is possible to apply for a mortgage with up to four applicants. The main requirement is that all applicants are employed in the Netherlands, Belgium, or Germany. By combining incomes, the maximum mortgage amount can increase by several hundred thousand euros.
In addition, sharing monthly costs makes mortgage payments and ongoing expenses easier to manage for each co-owner.
Would you like to know what budget you could afford when buying a home together? You can contact us at 088 1021 500 or email us at info@domek.nl .
Our team has experience handling mortgages with multiple applicants and can help you identify the right solution for this investment.
No one covers it all like we do!
Buying a home abroad should feel exciting, not overwhelming. We bring everything together in one place, from your first house search to your mortgage approval, insurance, utilities and tax setup. You focus on moving in. We handle the details.
With more than 15,000 clients, a team of over 100 specialists and support in 12 languages, we understand the challenges internationals face when settling in the Netherlands. Our experts combine local market knowledge with personal guidance, making every step clear, efficient and tailored to your situation.
