Many people think that a house with an active mortgage cannot simply be sold. Fortunately, in the Netherlands, the process is much simpler than most people expect.
If you are thinking about selling your property, you usually do not need to pay off the entire mortgage yourself before the sale. In most cases, the mortgage is settled automatically during the sale process.
Why do people decide to sell their home?
There can be many reasons.
Some people:
- need a bigger home,
- want to move to another city,
- are returning to their home country,
- are going through a separation or divorce,
- or simply want a property that better fits their current situation.
It is also common for homeowners to realise that their property has significantly increased in value, making selling financially attractive.
What happens to your mortgage after selling the house?
This is one of the most common questions. In practice, when the house is sold, the bank receives the remaining mortgage balance and the remaining funds go to the homeowner.
If the value of the property has increased since the purchase, many homeowners are left with additional funds after the sale. This equity can later be used, for example, to buy another property.
How can you check the value of your home?
Property values in the Netherlands are often much higher than homeowners expect.
The value depends on factors such as:
- location,
- the condition of the property,
- size,
- energy label,
- and the current housing market situation.
Many people are surprised by how much their property may actually be worth.
If you want to quickly estimate the value of your home, you can use our free online property value calculator.
How does selling a house with Domek work?
At Domek, we help clients through the entire process from start to finish.
We help with:
- estimating the property value,
- preparing the house for sale,
- arranging professional photography,
- promoting the listing,
- and handling all mortgage and sales formalities.
This means you do not need to worry about paperwork, communication with the bank, or organising the process on your own.
Want to sell your home and buy another one?
Many people decide to buy a new property after selling their current home.
In such cases, we help clients:
- sell their current property,
- check new mortgage possibilities,
- and smoothly manage the transition to the next home.
Sell your home with Domek
Selling a house with a mortgage in the Netherlands does not have to be complicated. The most important thing is to prepare the process properly and understand your options.
At Domek, we help internationals in the Netherlands safely sell their property and manage all formalities without unnecessary stress.
