The DAFT Visa and Buying a Home in the Netherlands
If you are an American thinking about moving to the Netherlands, you have probably heard about the DAFT visa. It is one of the most accessible and quickest ways for US citizens to build a life and a business here. But it is also a story that goes back decades and still shapes expat life today.
At Homes for Expats, we often meet American clients moving to the Netherlands under the DAFT visa. Many arrive with questions about housing, mortgages and what it takes to buy a home here as an entrepreneur. This guide explains what the DAFT visa offers, how to buy property as a visa holder and how our experienced realtors in the Netherlands can help.
A Little Bit of History
The DAFT visa exists because of a friendship treaty signed in 1956 between the Netherlands and the United States. The idea was to strengthen trade and economic cooperation, but it ended up doing something much more meaningful. It opened the door for Americans who wanted to live, work and invest here to do so with fewer barriers.
All these years later, it is still one of the best visa options for Americans who want to start a business, run it independently and settle here.
What the DAFT Visa Gives You
The DAFT visa allows Americans to live and work in the Netherlands as self employed professionals. It is valid for two years and can be renewed. After five years, you can apply for permanent residence or even Dutch citizenship if you meet the other requirements.
You can bring your partner and children with you, and they can live and work here too. For many families, this visa is the start of a new chapter, one filled with opportunity, belonging and growth.
What You Will Need to Qualify
It is a straightforward process. Here is what you need:
• A valid US passport
• A registered business with the Dutch Chamber of Commerce (KvK)
• A minimum of €4,500 in a Dutch business bank account
• Proof that your business is active and earning income
• A registered address in the Netherlands
• A clean record and standard immigration checks
That is it. The process is clear and achievable, which is why so many Americans see it as their opportunity to build a new life in the Netherlands with the DAFT visa.
Buying a Home with a DAFT Visa
One of the most common questions our clients ask at Homes for Expats is whether they can buy a home while living in the Netherlands on a DAFT visa. The good news is yes, you can. There are no restrictions for foreign nationals owning property in the Netherlands.
The main challenge is financing. Most DAFT visa holders are self employed, which means banks can be cautious. They want to see a stable income and a healthy business before granting a mortgage.
To apply for a mortgage, you will typically need:
• Your residence permit and BSN number
• Proof of income or recent tax returns
• At least three years of income statements or business records
• A healthy business track record or regular revenue
• Savings or assets that show financial stability
Having three years of financial records helps you present a stronger profile to banks, especially when applying as a self employed expat. This is something you will be asked to provide if you wish to buy a home with a mortgage, at least three years of financial statements.
If you ever want to buy a home in cash, we can help you find the right property and guide you through the process from start to finish. You can do that anytime, there is no need to wait. We just always encourage you to make sure you really love the area you are choosing to buy in first.
If you have been here for a few years, your business is doing well and you are ready to buy with a mortgage, reach out to us. We will walk you through the process and connect you with the right people so you can clearly understand your financial capabilities. From there, Homes for Expats will help you find your dream home, where you can put down roots and truly settle.
Should You Rent First or Buy Straight Away
Another question we hear often from our DAFT visa clients is whether to rent first or buy immediately. We always recommend renting first. Renting allows you to get to know the area you are choosing to stay in. Buying a home is a big commitment, and you want to make sure it is somewhere that feels right, a place that is safe, expat friendly and with a good sense of community.
It takes time to integrate, make friends and find your rhythm. Renting first gives you the space to adjust, discover your local favourites and learn which neighbourhood really feels like home. It also gives you flexibility if anything changes.
Once you know where you want to be long term, that is the perfect time to buy. And when you are ready, Homes for Expats will be there to help you take that next step with confidence.
How Homes for Expats Can Help
This is where we step in.
At Homes for Expats, we specialise in helping internationals secure homes across the Netherlands, from Expat Housing Amsterdamand Expat Housing Utrecht to Expat Housing Netherlands and beyond. We are trusted realtors in the Netherlands, guiding clients through every part of the Dutch housing process with honesty and care.
We understand the process, the paperwork and the challenges that come with being a self employed expat. Whether you are a new arrival on a DAFT visa or already settled and ready to invest, we will make sure you understand every step clearly.
We will guide you through:
• Finding the right property in the best area for your needs
• Connecting with mortgage advisors who work with expats and business owners
• Preparing your documentation to strengthen your mortgage application
• Understanding your financial options and long term goals
And beyond that, we will help you find a home that truly feels right, one that fits your lifestyle, your business ambitions and your next chapter here.
If you are living here on a DAFT visa and ready to make the Netherlands your home, we would love to help you take that next step.
We are here to find you a home you will love, not just a place to live. We will never let you settle.
At Homes for Expats, every story, every client and every move matters to us. Because if it matters to you, it matters to us.
Get in Touch:
WhatsApp: +31 6 28 32 22 35
Email: info@exhs.nl
Website: www.homesforexpats.nl
