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Is it possible to buy a home in the Netherlands if you live abroad?

Absolutely! Especially for people who work in neighboring countries but want to live in the Netherlands, there are plenty of opportunities. Our Financieel Fit-advisors know the market and the regulations and are ready to help you.

How Financieel Fit helps you buy a home in the Netherlands

The best option for you depends on several factors. Do you plan to live in the property yourself, or is it a second home you’ll use occasionally? Our financial advisor will discuss your preferences with you and recommend a suitable plan. We've already helped many cross-border commuters—also known as grenswerkers—find a home in the Netherlands.

Here's how we do it and what you can expect from us:

• Home buying guidance: We guide you step-by-step through the entire home-buying process. We understand that there are legal, financial, and administrative aspects to consider, and we're here to assist you every step of the way.
• Tax support (BE/NL) for cross-border workers: We make sure you benefit from tax advantages and schemes in both Belgium and the Netherlands. You can also take advantage of the compensation scheme under the Netherlands-Belgium tax treaty. This scheme offers financial compensation for, for example, mortgage interest deduction. We’ll handle the full tax return process for you.
• Social security advice: We help you arrange cross-border health insurance (a so-called verdragspolis) so your healthcare coverage isn’t limited to just one country.
• Opening a Dutch bank account: We assist you in opening a Dutch bank account, which is an essential step when buying a home in the Netherlands.
• Support with sustainability upgrades: We offer advice on energy-saving measures and sustainable solutions to help you reduce your monthly costs both in the short and long term.

Want to ensure your financial products remain a good fit if your situation or needs change? Consider signing up for one of our Fitplannen.

Buying a home as a Pied-à-Terre

If you live abroad and occasionally stay in the Netherlands, you can purchase a so-called Pied-à-Terre—a second home used for longer stays. You can take out a mortgage for this type of property. Are you thinking of renting it out in the meantime? Then you'll need a rental mortgage, which comes with stricter conditions than a regular Pied-à-Terre mortgage.

When applying for a mortgage for a home in the Netherlands, keep the following in mind:

• You and any co-applicant must have Dutch nationality;
• You must have sufficient income—most lenders require a minimum annual income of €60,000;
• You must contribute at least 15% of the property’s market value from your own funds.

Dutch mortgage for a foreign property

If you want to take out a mortgage for a property abroad, a Dutch mortgage is usually not an option. In some cases, increasing your current mortgage might be a solution. Whether this is possible depends on your income and the value of your current home.

Curious how we can help you? Schedule a free appointment!

All you have to do is book an appointment, we’ll take care of the rest. That way, you can focus on your move from Belgium to the Netherlands.

While our colleagues at Financieel Fit | Putte-Hoogerheide know the market and region near the Belgium-Netherlands border particularly well, our other advisors across the country are just as capable of assisting you. With over 70 branches throughout the Netherlands, there's always an office nearby. Take the first step and schedule a free introductory meeting today.