Working through an agency or temporary contract in the Netherlands does not automatically mean you cannot buy a home. At Domek, we help internationals discover their real mortgage possibilities every day — even in situations that seem complicated at first.
In this article
- Why do so many internationals think buying is impossible?
- Can you buy a home without a permanent contract?
- What if you work through an employment agency?
- What documents do you need?
- How does Domek help throughout the entire process?
Why do so many internationals think buying is impossible?
Many internationals underestimate what may actually be possible for them in the Netherlands.
We often hear assumptions that stop people from even trying:
- “My borrowing capacity would be too low.”
- “Temporary work would not be accepted.”
- “There would be no suitable homes within my budget.”
But reality is often much more encouraging.
At Domek, we regularly help people who are surprised to discover they may already be ready to take the next step toward buying a home. Sometimes it is about understanding the real borrowing possibilities. Other times, it is about knowing where to search and which areas offer more opportunities within the budget.
Our consultants help clients look beyond the obvious. Together, we explore which homes may realistically fit their situation and where they may find better value than expected.
For many internationals, buying a home becomes realistic much sooner than they imagined.
Can you buy a home without a permanent contract?
Yes — in many cases, you can.
Flexible work is extremely common in the Netherlands, especially among internationals. Working through an agency, having a temporary contract, or changing employers does not automatically mean homeownership is out of reach.
Your possibilities depend on the bigger picture, including:
- Income history
- Employment continuity
- Future work perspective
- Financial obligations
- Overall financial stability
That is why many people are positively surprised after their first consultation with Domek.
What if you work through an employment agency?
Many internationals work on Phase A or Phase B contracts through employment agencies. Even in these situations, buying a home may still be possible.
One important factor can be a Perspectiefverklaring — a document that helps show future employment perspective and income stability.
Not sure whether your situation qualifies? That is exactly why clients contact Domek. Our team helps internationals understand their real options every day and explains clearly what may improve their mortgage possibilities.
What documents do you need?
A strong mortgage application is about much more than only your contract type. In many cases, preparing the documents correctly can make a huge difference.
Depending on your situation, this may include:
- Salary slips
- Employment history
- Jaaropgaven
- Bank statements
- A Perspectiefverklaring
- Information financial obligations
At Domek, we help clients build their applications carefully and correctly. For many internationals, this has been a complete game-changer.
People who originally thought buying a home was impossible often discover that the right preparation and guidance can open far more possibilities than expected.
How does Domek help throughout the entire process?
At Domek, we look beyond the mortgage alone. We help internationals understand what is realistically possible, where they may find better opportunities within their budget, and how to move through the entire process with confidence.
We support clients with:
- Calculating realistic mortgage possibilities based on their actual situation
- Helping search for homes that fit both the budget and long-term plans
- Guiding the entire process from the first consultation until key handover
With more than 15 years of experience and thousands of happy clients, we know that buying a home in the Netherlands is often much more achievable than people initially think.
Many clients contact us expecting a quick “no.” Instead, they leave with clarity, a plan, and a realistic path toward their own home.
No one covers everything like we do.
Ready to discover your possibilities? Call 088 1021 500, or email info@domek.nl for a free consultation.
