Buying a home in the Netherlands on your own may seem like a challenge — especially if you are a single woman or a single mother. Rising property prices and strict mortgage requirements can feel overwhelming.
At the same time, more and more people are successfully buying homes independently. With the right knowledge and preparation, it is absolutely possible.
In this guide, we explain how it works, what banks look at, and what your options are.
In this article
- Can you get a mortgage on your own?
- How much can you borrow as a single buyer?
- Additional support for single parents
- What costs should you consider?
- Is buying alone a good decision?
- How Domek supports you
Can you get a mortgage on your own?
Yes, you can absolutely get a mortgage in the Netherlands as a single person.
Banks assess your application based on your income, employment situation, and financial obligations, not your relationship status. Whether you are single by choice or raising a child on your own does not exclude you from buying a home.
What matters most is:
- Your income stability
- Your type of contract
- Your financial commitments (such as loans or subscriptions)
Even if you don’t have a permanent contract, options may still exist — for example through a perspectiefverklaring or by showing income history.
How much can you borrow as a single buyer?
Your maximum mortgage depends entirely on your income and financial situation.
Since you are applying alone, the bank only considers your income, which means your borrowing capacity will typically be lower than for couples.
However, that does not mean buying is out of reach.
Your borrowing capacity is influenced by:
- Gross annual income
- Type of employment contract
- Bonuses or additional income
- Existing financial obligations (BKR registration)
In some cases, single buyers also benefit from:
- Lower interest rates for energy-efficient homes
- Government support schemes
- Smart mortgage structuring
A proper calculation with Domek helps you understand your real options before you start searching for a home.
Additional support for single parents
If you are a single mother, there may be additional financial considerations that can work in your favor.
For example:
- Certain allowances or benefits may be included in income calculations
- Child-related financial support can strengthen your position
- Stability of income is often viewed positively
Every situation is different, which is why personal advice is key.
What costs should you consider?
Buying a home involves more than just the mortgage.
As a single buyer, it is especially important to plan your full financial picture carefully.
You should take into account:
- Notary costs
- Property transfer tax (if applicable)
- Valuation report
- Moving and furnishing costs
Additionally, you need to ensure that your monthly expenses remain comfortable after purchasing the home.
Is buying alone a good decision?
Buying a home on your own comes with both advantages and responsibilities.
Advantages:
- Full control over your property
- No dependency on a partner
- Long-term financial stability
Considerations:
- Lower borrowing capacity
- Full responsibility for monthly costs
- Less flexibility in case of income changes
For many single buyers, the benefits outweigh the risks — especially when the purchase is well planned.
How Domek supports you
The all-in-one service for internationals
At Domek, we make arranging a mortgage in the Netherlands simple and stress-free — even if you are buying on your own.
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 solution that fits their situation.
Our advisors guide you through the entire process — from calculating your borrowing capacity and comparing offers to explaining the conditions and preparing your application.
If you are a single buyer or a single parent, we pay special attention to your situation and help you make a safe and informed decision.
If you decide to buy a home, we 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.
