Buying a home in Amsterdam as an expat: step-by-step guide

Nkanyiso@mrnN — Fri, 16 Jan 2026 19:23:02 +0000

Buying property in Amsterdam as an expat can feel intense, especially if you are unfamiliar with the Dutch housing market.

Homes sell quickly, bidding wars are common, and legal concepts such as leasehold (erfpacht) can be confusing at first.

The good news is that with the right preparation and guidance, many expats successfully buy homes in Amsterdam every year.

In this guide, we walk you step by step through how to buy a home in Amsterdam as an expat, so you know what to expect and how to avoid common mistakes.

Step 1 – Understand the Amsterdam housing market

Amsterdam has one of the most competitive housing markets in the Netherlands. Demand is high, supply is limited, and well-priced homes often sell above asking price.

As an expat buyer, it’s important to understand how neighbourhoods differ, how bidding works, and how quickly decisions often need to be made.

Key things to know about buying in Amsterdam:

Popular neighbourhoods such as Zuid, De Pijp, Oud-West and Centrum tend to be more expensive.
Newer areas like Amsterdam Noord may offer better value.
Overbidding is common but should be strategic.
Leasehold (erfpacht) vs freehold ownership can significantly affect long-term costs.
Apartments often come with a homeowners’ association (VvE) that must be reviewed carefully.

Tip: before viewing properties, research recent sale prices in your target neighbourhoods rather than focusing only on asking prices.

Step 2 – Set a realistic budget and financing plan

Can expats get a mortgage in Amsterdam?

Many expats can qualify for a Dutch mortgage, depending on their income, employment contract, residency status and length of stay. Lenders may consider permanent contracts, long-term temporary contracts, or income from abroad in certain cases. A mortgage advisor can help clarify your options early in the process.

Costs to budget for in addition to the purchase price:

Transfer tax (usually 2% for owner-occupied homes).
Notary fees and registration costs.
Mortgage and valuation fees.
Technical inspection costs.
Potential leasehold-related costs.

At Homes for Expats, we help buyers understand what is realistic within their budget and avoid falling in love with properties that are unlikely to be achievable.

Step 3 – Work with an expat buying agent in Amsterdam

Buying a home in Amsterdam without local representation can put expats at a disadvantage.

An expat buying agent represents your interests only and helps you navigate the competitive market, legal requirements and negotiation strategies.

How an expat buying agent can help:

Identify suitable properties early.
Advise on realistic offer prices.
Communicate with selling agents in Dutch.
Structure strong bids in competitive situations.
Guide you through inspections and legal steps.

Step 4 – View properties and assess risks

Property viewings in Amsterdam often move quickly and may involve multiple interested buyers. During viewings, it’s important to look beyond surface details and assess the overall condition, building maintenance, and documentation.

What to check during viewings:

General condition and visible defects.
Maintenance and reserve funds of the VvE.
Leasehold conditions and future payments.
Noise levels and surroundings.
Renovation potential and restrictions.

Step 5 – Making an offer in Amsterdam

Making an offer in Amsterdam usually involves a written proposal rather than simple negotiation. Your offer includes price, conditions, and preferred transfer date. A strong offer balances competitiveness with protection.

Offer strategy considerations:

Price versus conditions trade-offs.
Financing and inspection clauses.
Flexibility on transfer date.
Understanding seller priorities.

Step 6 – Inspection and valuation

After your offer is accepted, a technical inspection helps identify hidden defects, while a valuation report confirms the property’s market value for your mortgage lender. These steps protect you financially.

Step 7 – Legal process and notary

The legal transfer is handled by a Dutch notary. Contracts are reviewed, mortgage deeds prepared, and ownership officially registered. A final inspection takes place shortly before completion.

Step 8 – Transfer, keys and after-purchase support

Once the transfer is complete and funds are paid, you receive the keys to your new home in Amsterdam. Many expats benefit from ongoing support with registration, utilities, or renovations after purchase.

Common mistakes expats make when buying in Amsterdam

Common mistakes include:

Underestimating competition and timelines.
Ignoring leasehold conditions.
Skipping inspections to win a bid.
Not reviewing VvE documentation.
Making emotional offers without strategy.

When to get professional help

While some expats buy independently, many choose professional support to reduce risk and stress. A good buying agent provides clarity, local knowledge and guidance throughout the process.

At Homes for Expats, we support you from the first conversation to key handover. If you are considering buying a home in Amsterdam as an expat, you can contact us to discuss your situation and goals.

Discover our purchasing services

FAQ – Buying a home in Amsterdam as an expat

Can expats buy property in Amsterdam?

How to rent a house in the Netherlands as an expat

Nkanyiso@mrnN — Fri, 16 Jan 2026 17:43:09 +0000

Finding a rental home in the Netherlands as an expat can feel like a full-time job. Listings disappear quickly, requirements are not always clear, and many websites are only partly in English.

The good news: once you understand how the Dutch rental market works and what landlords expect, the process becomes much more manageable.

In this guide, we walk you step by step through how to rent a house in the Netherlands as an expat. From setting a realistic budget and choosing areas, to documents, viewings, applications and contracts. You can use it as a checklist for your own search, or as a way to prepare before working with a rental agent like Homes for Expats.

Step 1 – Understand the Dutch rental market

Renting in the Netherlands as an expat is different from what many people are used to in the US, UK or other countries. Properties can go quickly, there is strong demand in popular cities, and there are different types of landlords and contracts.

Key things to know:

High demand in major cities: Amsterdam, Rotterdam, Utrecht, The Hague and the wider Randstad region are popular with both locals and expats. Good properties can receive multiple applications within a few days.
Unfurnished, semi-furnished, furnished: Dutch listings often mention:
– Kaal / unfurnished: usually no flooring, no curtains, minimal fixtures.
– Gestoffeerd / semi-furnished: flooring, curtains, basic lights.
– Gemeubileerd / furnished: furniture included. Your budget needs to reflect the type you choose.
Agency and landlord differences: some properties are managed by professional agencies, others by private landlords. Requirements, flexibility and communication style can vary a lot.
Social vs. private sector: most expats rent in the private sector; social housing has strict income and registration rules and long waiting lists.

Tip: if you feel lost at this stage, create a simple document with “city”, “type of property”, “furnished level” and “budget range” – this will make all other decisions easier.

Step 2 – Set a realistic budget and choose areas

How much rent should I expect as an expat? Exact prices change over time, but you can use these guidelines:

Rents in central Amsterdam and popular expat areas are usually higher than in nearby cities.
You often need to show that your net monthly income is a multiple of the rent (for example, 3x).
Extra costs (utilities, service charges, municipal taxes) are sometimes included, sometimes not.

If you work with Homes for Expats, we can quickly tell you if your budget is realistic for the type of home and city you have in mind, and show you examples of what others have rented in similar situations.

Where should I live in the Netherlands?

Your ideal area depends on where you work or study, whether you have a partner or family, how close you want to be to international schools or specific facilities, and whether you prefer a busy city centre or something calmer. We help you compare options so you can make a decision that fits your daily life, not just your Instagram feed.

Step 3 – Prepare your documents in advance

One of the most important parts of renting a house in the Netherlands as an expat is documentation. Good properties often go to the person whose application is complete and clear first.

Typical documents you may be asked for:

Copy of passport or ID.
Employment contract or employer statement (or DAFT/business documents if self-employed).
Recent payslips and/or bank statements.
Proof of registration or expected registration with the municipality.
Sometimes a reference from a previous landlord.

If you are moving under the DAFT visa in the Netherlands, landlords may also want to see:

Chamber of Commerce (KvK) registration.
Business plan or financial forecast.
Proof of funds.

We help you organise these documents and present your story clearly so that your situation is easy to understand.

Tip: create a folder, both digital and printed, with all documents ready. This can save days of back-and-forth and give you a big advantage in a tight market.

Step 4 – Search, shortlist and book viewings

Where to find expat rentals in the Netherlands?

You can find rentals through Dutch property portals like pararius.nl, agency websites, expat-focused housing services and, sometimes, company intranets or relocation partners. The challenge is not finding listings, but knowing which ones are realistic and worth your time.

At Homes for Expats, we do not just send you random links. We shortlist properties that match your brief, explain what is realistic and check for potential red flags before you spend time on viewings.

How many properties should I view?

There is no magic number, but if your brief and budget are realistic, three to six suitable viewings can already give you a solid picture of the market. The key is to focus on the quality of viewings, not just the quantity of listings.

Step 5 – Viewings: what to look for

Viewings can go quickly, especially if they are group viewings. It helps to know what to pay attention to so you can make a confident decision afterwards.

Things to check during viewings:

Noise and surroundings – is the street quiet at night, or close to bars, trains or busy roads?
Maintenance – any visible damp, mould, broken fixtures or signs of poor care?
Light and layout – does the space work for your daily life, not just in photos?
Registration – can all people on the contract register at that address?
Service costs and extras – what exactly is included in the rent?

If you attend viewings with Homes for Expats, we can ask questions in Dutch if needed, point out things expats may not know to look for and give honest feedback after each viewing so you do not have to decide alone.

Step 6 – Applying for a rental as an expat

After a viewing, if you like the property, you usually need to submit your application quickly. This often includes forms, documents and a short introduction about who you are and how long you plan to stay.

How to strengthen your application:

Make sure your documents are complete and clearly organised.
Be honest about your situation, but frame it clearly, especially if you are self-employed or on a DAFT visa.
Show that you understand local norms, with realistic move-in dates and expectations.
Respond quickly to questions from the agent or landlord.

Need help with applications and communication with agents or landlords? Our rental services for expats in the Netherlands can support you at every step, from the first contact to the final approval.

Step 7 – Understanding Dutch rental contracts

Rental contracts in the Netherlands can look intimidating at first, especially if parts are in Dutch. Never sign something you do not fully understand – a little extra time now can prevent bigger problems later.

Key points to pay attention to:

Type of contract: fixed-term, indefinite or temporary with specific conditions.
Notice periods: how and when you or the landlord can end the contract.
Indexation: annual rent increases and how they are calculated.
Service charges: what is included and what is not.
House rules: pets, smoking, guests, subletting, etc.

Homes for Expats can help by reviewing the contract with you, highlighting any unusual or risky clauses and explaining what is standard for the Dutch market. This gives you a clearer basis to decide whether you are comfortable signing.

Step 8 – Check-in, inspection and move-in

At the start of your rental, there is usually a check-in inspection, an inspection report with photos and meter readings for utilities. It may feel like a formality, but it is important to take this seriously.

Why this matters:

It protects both you and the landlord.
It helps avoid disputes at the end of the rental.
It gives you a chance to report any existing damage or issues.

Take your own photos and videos, read the inspection report carefully and report anything that does not match what was promised.

How to avoid common rental mistakes as an expat in the Netherlands

Common mistakes include:

Starting the search too late and then accepting the first available option.
Not preparing documents in advance.
Fixating only on one trendy area and ignoring realistic alternatives.
Signing contracts without understanding the conditions.
Trusting unverified ads and offers without checking the source.

By planning ahead, staying open to different neighbourhoods and asking questions before you sign anything, you can avoid most of these problems and make your move much smoother.

When to get help from an expat rental agent

You can absolutely rent a house in the Netherlands on your own, but many expats choose to work with a rental agent who understands both the local market and the expat perspective. A good agent will save you time, reduce stress and help you avoid expensive mistakes.

At Homes for Expats, we help you with everything from defining your brief and searching, to viewings, applications and contracts. Our goal is not just to find you a home, but to make the process clearer and less stressful. If you would like support with your rental search, you can contact us and tell us more about your situation.

FAQ – Renting a house in the Netherlands as an expat

How early should I start looking for a rental home in the Netherlands as an expat?

Exciting News For First-Time Home Buyers Under 35 In 2026

Nkanyiso@mrnN — Thu, 27 Nov 2025 05:39:19 +0000

If you are a first-time home buyer in the Netherlands and you are under 35, there is great news for 2026. The government has adjusted the transfer tax exemption limit for younger buyers. From next year, you can benefit from paying zero transfer tax if you buy a home up to €555,000.00 and you meet all the criteria. This is especially helpful for expats and starters taking their first step into the Dutch housing market.

If you are searching for expat housing in the Netherlands and planning to buy in Amsterdam, Utrecht, Eindhoven,Den Haag or the surrounding areas, this change can help you make further savings and better your chances of winning a home you really want.

What Is Changing In 2026

Starting in 2026, you can use the transfer tax exemption if the following applies.

You are under 35.
You are buying your first home to live in.
The purchase price is up to €555,000.00.
You have not used the exemption before.

If the home you want to buy is priced above that limit, you will pay the standard 2% transfer tax. If you qualify for the transfer tax exemption, you save thousands of euros from the very start of your buying journey. This update gives first-time homeowners more choice in the market and makes this an exciting moment for anyone buying for the first time.

Why Buying A Home In 2026 Makes Sense

If you plan to stay in the Netherlands for more than a couple of years, buying often makes more financial sense than renting. It also allows you to put down roots and gives you a place that truly feels like yours, a place where you can build the life you want.

Buying a home is about finally owning your own asset, and not paying off someone else’s asset by paying off their mortgage by renting their investment. You are investing in your own future, and it gives you a sense of control and freedom. You can settle in, paint the walls any colour you like and create a space that feels like you. It becomes home in a way that renting never quite does.

We absolutely love assisting our clients in buying their first home in the Netherlands. It is such a privilege to share in the joy of your very first home, and something we at Homes for Expats are honoured to be a part of.

Why Expats Are Planning Ahead

We speak daily with expats who are preparing for their next chapter. Some are here on the DAFT visa. Some are young professionals working in Amsterdam or Eindhoven who want to stay long-term. Others are families that are looking for more space and connection in Utrecht or Den Haag. Everyone has their own story and needs.

The updated exemption is there to encourage starters to enter the housing market so they can act quickly when they find the right home.

How Homes for Expats Makes The Journey Easier

Buying your first home in a new country can feel overwhelming. At Homes for Expats, we are more than just a real estate company. We are a group of fellow expats and trusted real estate experts passionate about assisting you navigate the Dutch housing market with confidence.

We are there to explain the buying process step by step.
We will connect you with mortgage advisors who specialise in expat clients and who speak English, so understanding you and your needs is not a problem.
We will advise you on the best neighbourhoods, schools and lifestyle that best fits you.
We will protect your interests with full due diligence, disclosure and honesty.
We will be with you from your very first viewing to the day of your final handover, and you receive your keys.

We are proud to be trusted as housing specialists in The Randstad and Dutch housing specialists covering most of the Netherlands. Supporting first-time home owners in making their housing dreams a reality means a lot to us.

Buying a home is a life decision. A future decision. A heart decision. We want you to feel supported every step of the way on this exciting adventure.

Ready To Begin Your Home Buying Story

Your first home in the Netherlands should feel like home and the journey to get there should be one of the most exciting and fun journeys you will go on during your time here in the Netherlands. We are here to make sure you find a home you absolutely love.

If you are thinking about buying your first home in the Netherlands and would like guidance you can trust, we would love to help you explore your options and start the conversation: https://homesforexpats.nl/contact-us/

The DAFT Visa and Buying a Home in the Netherlands

Nkanyiso@mrnN — Wed, 15 Oct 2025 11:40:52 +0000

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

Why More Professional Expats Are Choosing to Buy Homes in the Netherlands

Nkanyiso@mrnN — Wed, 01 Oct 2025 05:18:02 +0000

Introduction

Moving to the Netherlands for work is an exciting new chapter. For many international professionals, it starts with renting, just to get settled. But more and more expats are choosing to buy their own home sooner rather than later — and for good reason.

Buying a home in the Netherlands is about more than stability. It’s an investment in your future, your lifestyle, and truly feeling at home in a new country.

At Homes for Expats, we’ve seen a big rise in clients relocating for their careers, often with global companies like ASML, Booking.com, Heineken, Capgemini, and other fast-growing international businesses. These clients arrive ready to settle, and they want to make informed, confident decisions that set them up for long-term success.

As your trusted real estate agents in the Netherlands, we help professional expats navigate the process of buying a home — making it simple, secure, and tailored to their needs.

Why Expats Are Buying Instead of Renting

The Dutch rental market is one of the most competitive in Europe. Finding a good rental can be stressful, unpredictable, and expensive. Many expats discover that buying a home isn’t just possible, it’s the smarter financial choice.

Here’s why more professional expats are buying homes in the Netherlands:

Rising rental prices: In major cities like Amsterdam, Utrecht, Rotterdam, and Eindhoven, monthly rents often exceed what you would pay for a mortgage.
Stability and security: Owning a home gives you control and certainty, with no sudden rent increases, short leases, or unexpected moves.
Investment potential: Dutch property values have historically risen over time, making buying a strong financial decision.
Creating roots: A home you own allows you to settle, personalise your space, and feel truly connected to your community.

Challenges Expats Face When Buying a Home

Buying a home in the Netherlands is very different from buying in many other countries. Without the right guidance, it can feel overwhelming and risky.

Here are some of the most common challenges we see:

Understanding how the Dutch mortgage system works for expats
Navigating legal documents, which are always in Dutch
Competing in a fast-moving market with multiple bids on the same property
Knowing which neighbourhoods suit your lifestyle and budget
Understanding hidden costs like ground lease (erfpacht) or VvE obligation

How Homes for Expats Makes the Process Simple

Buying a home in a new country is a major milestone, and you shouldn’t have to figure it out alone.

At Homes for Expats, we guide you through every step of the process so you feel supported and confident:

Connecting you with trusted mortgage advisors who understand expat financing
Helping you find homes that fit your lifestyle and long-term plans
Managing negotiations and bids so you can compete effectively in a competitive market
Reviewing contracts and legal documents in detail so you know exactly what you’re signing
Explaining every cost and obligation clearly before you commit

We don’t just help you find a house — we protect your interests and make sure every decision is informed and strategic.

Why Our Clients Trust Us

Our clients often share that buying a home here felt impossible at first. But with the right support, they not only found a home they love, they were able to start their life in the Netherlands with confidence and excitement.

Many first-time homeowners trust Homes for Expats because we understand their challenges. As expats ourselves, we know exactly what it feels like to move to a new country and navigate a complex housing market.

With over 250 five-star Google reviews, our reputation is built on integrity, care, and results. More professional expats are turning to Homes for Expats because they know we’ll go above and beyond to make their home-buying journey a success.

Final Thoughts

If you’re relocating to the Netherlands for work and considering buying a home, now is the time to explore your options.

Whether you plan to stay for a few years or build a life here long-term, buying a home can give you stability, security, and a sense of belonging.

As the Dutch real estate specialists you can count on, we’re here to guide you every step of the way.

Get in touch:

WhatsApp: +31 6 28 32 22 35

Email: info@exhs.nl

Website: www.homesforexpats.nl

At Homes for Expats, every story, every client and every move matters to us. Because if it matters to you, it matters to us!

Moving to the Netherlands on a DAFT visa: what you need to know

Nkanyiso@mrnN — Sat, 31 May 2025 09:00:19 +0000

Moving to the Netherlands on a DAFT visa?

If you are an American entrepreneur thinking about moving to the Netherlands, the DAFT visa is one of the simplest ways to make it happen.

We have helped many American clients relocate using the DAFT visa. We know the process and know how to guide you through it. Ensuring where possible that this journey is as stress free and uncomplicated as possible.

What is the DAFT visa

The Dutch American Friendship Treaty allows U S citizens to apply for a residence permit to start their own business in the Netherlands.

You do not need a job offer.

You do not need to speak Dutch.

You just need to meet the requirements and register a business.

To qualify for the DAFT visa, you need to:

Hold a valid U S passport.
Register your business with the Chamber of Commerce here in the Netherlands known as the KVK.
Open a Dutch business bank account.
Deposit and keep at least €4500 in that account.
Show you can support yourself.
Get Dutch health insurance.
Register your address with a Dutch municipality.

The visa is valid for two years. You can renew it. After five years, you may apply for permanent residency.

What type of business should you register

Most American clients moving over on the DAFT visa register as a sole proprietorship, called an eenmanszaak in Dutch. You will often hear the term zzp’er too, which stands for zelfstandige zonder personeel. It means a self employed person without staff. This structure is quick to set up, low cost and easy to manage. It is perfect for freelancers, consultants or anyone working independently.

If you want limited liability or plan to grow your business quickly, a BV (besloten vennootschap) might be a better fit. It is more complex but offers more protection. We will connect you with experienced Dutch accountants who can help you choose the setup that is right for you.

Opening a Dutch business bank account without a BSN

Most banks ask for a BSN before they will open a business account. But to get a BSN, you usually need a Dutch address and registration. That can make things tricky.

Here are banks that have worked for our clients:

Bunq allows online applications with just a passport and Chamber of Commerce registration.
ABN AMRO sometimes accepts appointments and documentation in advance.
ING may approve accounts with a KvK extract and proof of address.
Rabobank is stricter but may allow exceptions with full documents.

Can you rent or buy a home on a DAFT visa

Yes, absolutely.

We help our DAFT clients rent or buy homes every week in the Netherlands.

Renting a home

You will need your residence permit or DAFT application, proof of business registration, and some form of income or savings. Landlords may ask for extra rent in advance if you do not yet have a Dutch income history. We will help you find homes that meet all legal requirements, are suitable for registration and a place you can call home!

Buying a home

You can buy property while on a DAFT visa. If you want a mortgage, your approval depends on your income, tax setup and business records. We work closely with mortgage advisors who understand the DAFT process and can help you navigate it.

What life looks like on a DAFT visa

Most people work remotely for US clients or offer services in the Netherlands.

You will get access to the Dutch healthcare system, reliable public transport and a calm, safe way of life. You will hear English almost everywhere, especially in major cities. You will meet a lot of expats doing exactly what you are doing.

It is a good place to build something new.

What is needed to renew your DAFT visa after two years

You can renew your DAFT visa if:

Your business is still active.
Your €4500 is still in your account.
You have Dutch health insurance.
You are registered at a Dutch address.
Your taxes are up to date.

You will need an accountant’s statement confirming these details. We can connect you with someone experienced in this.

How Homes for Expats helps DAFT visa clients

We do more than find you a home. We guide you through the entire process of moving on a DAFT visa.

We connect you with reliable partners who can assist with:

Immigration and IND appointments.
Business registration and accountancy.
Opening your Dutch bank account.
Arranging international movers.
Health insurance and registration.
Finding and securing the right home to rent or buy.

Let Homes for Expats take the stress of relocation and housing off your plate, so you can focus on getting settled and growing your business. We would love to assist you. Let us know how.

Visit our DAFT visa support page here:

www.homesforexpats.nl/daft-visa-netherlands

Get in touch

WhatsApp: +31 6 28 32 22 35

Email: info@exhs.nl

Website: www.homesforexpats.nl

At Homes for Expats every story, every client, and every move matters to us. Because if it matters to you, it matters to us.

A Day in the Life of a Rental Agent at Homes for Expats

Nkanyiso@mrnN — Thu, 17 Apr 2025 11:20:41 +0000

Welcome to a sneak peek into the daily life of a Homes for Expats rental agent, the dedicated professionals who make your journey to finding the perfect home in the Netherlands seamless and stress-free.

Behind the Scenes Excellence

When you choose Homes for Expats, you’re not just securing a long-term rental; you’re investing in a passionate team committed to going above and beyond to meet your housing needs:

Building Local and National Connections: Our rental agents are constantly building and nurturing strong relationships with local agencies and landlords across the Netherlands. This extensive network allows us to offer our expat community a unique advantage deeply rooted in the local market. These connections are the foundation of our ability to find the ideal home for you.

Continuous Learning and Market Expertise: The rental market in the Netherlands is ever-evolving. Our rental agents stay at the forefront of industry trends and regulations through continuous learning and professional development. This ensures that our team is well-equipped to navigate the dynamic landscape on your behalf. Whether it’s changes in rental laws, property values, or emerging neighborhoods, we’re on top of it.

Admin Excellence: The devil is in the details, and we excel at them. Meticulous attention to administrative tasks guarantees a smooth process, and our team handles paperwork promptly and accurately. From lease agreements to property inspections, we ensure that every step is taken care of with the utmost precision.

Efficient Processes: Time is of the essence in the bustling Dutch housing market. We’ve streamlined our procedures to ensure swift action once you’ve been accepted for a rental property. Our goal is to minimize any waiting time, ensuring that you can secure your dream home without delay.

Market Vigilance and Property Scouting: Our dedicated team is always on the lookout for new listings. They scour rental websites, visit properties, and stay connected with landlords to identify the latest opportunities in the Dutch market. This proactive approach gives you a significant edge in discovering hidden gems and securing the most desirable properties.

Digital Prowess and Innovative Solutions: In an increasingly digital world, we invest in cutting-edge digital infrastructure to stay ahead. This investment ensures that we provide you with the most innovative and efficient solutions tailored to the Netherlands. From virtual property tours to online document submissions, we leverage technology to simplify your rental journey.

Your Trust, Our Commitment: At Homes for Expats, we understand that finding the perfect home is a significant investment, both in terms of time and resources. We want you to rest assured that behind the scenes, we’re working diligently to make your journey exceptional within the Netherlands. Your trust means the world to us, and we’re grateful to be part of your adventure in finding the perfect home.

Written by Chante Lindes and Lauren Hamilton

Moving to Het Gooi A Haven for Expat Families

Nkanyiso@mrnN — Sun, 13 Apr 2025 17:38:15 +0000

Why are more expat families moving to Het Gooi?

Because this peaceful, green region offers the kind of space, safety and quality of life that is hard to find anywhere else in the Netherlands.

Just outside Amsterdam and Utrecht, Het Gooi is home to some of the most beautiful towns in the country. Hilversum, Bussum, Laren, Naarden, Blaricum and Eemnes are where tree lined streets, spacious family homes and top international schools come together to create the perfect environment for expat families ready to settle down.

Whether you are relocating for work, launching a business under the DAFT visa or simply looking to raise your children somewhere calm and connected, Het Gooi gives you everything you need and more.

At Homes for Expats, we will guide you through every step of finding your new home in this exceptional region. From understanding the market to choosing the right schools and neighbourhoods, we are here to make sure this move is the right one for you.

We want to find you a home you will love and we will never let you settle for just a place to live.

At Homes for Expats, every story, every client, every move matters to us.

Why expat families are choosing Het Gooi

Het Gooi is not a city. It is a collection of connected towns and villages that feel more like country retreats than suburbs. Here is why more expats are making the move:

Family homes with space to breathe

In Het Gooi you will find beautiful family homes with gardens, large kitchens, room to grow and peace outside your windows. For expats who are used to tight city apartments, this shift in lifestyle is one of the biggest reasons they choose to stay.

International schools and bilingual education

With top options like the International School Hilversum and several bilingual Dutch schools in the region, education is one of the biggest drawcards. Families can choose between English language curriculums and high quality Dutch education with international support.

Perfectly located

Trains from Hilversum, Naarden or Bussum get you to Amsterdam or Utrecht in under 30 minutes. The A1 and A27 motorways are close, making school runs or work commutes easy and predictable.

A strong sense of community

Expats who move here tend to stay. That means local networks are strong, international families are supported and children grow up with friends from around the world. You will find parent groups, local sports clubs and neighbours who take the time to say hello.

Green surroundings and safe streets

Het Gooi is known for its forest trails, bike paths and quiet roads. Whether you are walking the dog, taking your kids to school or heading out for a Saturday cycle, everything here feels a little slower, a little safer and a lot more balanced.

Where to live in Het Gooi

Each town in Het Gooi has its own atmosphere. Here are the most popular places for expat families:

Hilversum

Often called the heart of Het Gooi, Hilversum is lively and well connected with lots of family homes, international schools and shops. It is a great option if you want the feel of a small city with all the green benefits of the region.

Bussum

A calm and charming town filled with 1930s style homes, parks and playgrounds. Bussum is ideal for young families who want peace and community without being far from the city or international schools.

Laren

Elegant, artistic and exclusive. Laren is filled with thatched roof villas, stylish boutiques and beautiful green streets. It is perfect for families who want luxury, privacy and village charm in one.

Naarden

Famous for its star shaped fortress and historic beauty, Naarden is a stunning mix of old world charm and modern convenience. With train access and international schools nearby, it is a strong choice for families who want space and character.

Blaricum

Known for luxury living and countryside style, Blaricum is where you will find large villas, quiet streets and incredible outdoor space. If you are looking for privacy, beauty and premium property, this is it.

Eemnes

Bordering Laren and just a short drive from Hilversum, Eemnes offers a quiet, spacious village lifestyle that appeals to families seeking calm without isolation. With modern family homes, lots of green space and quick access to the A27 and A1, Eemnes combines rural charm with everyday convenience. It is a great option for those who want a bit more space and a relaxed pace of life.

Renting or buying in Het Gooi

Whether you are looking for a long term rental or ready to buy your forever home, Het Gooi offers a range of options for expat families. But the market moves quickly, and the best homes are often snapped up before they even go public.

Renting

– Most expats rent first to get to know the area and school options
– Monthly rent for a family home starts around €2,200 and goes up depending on location and size
– Furnished homes are rare, so expect semi furnished or unfurnished listings
– Demand is high, so having your documents ready and working with a trusted housing expert helps

Buying

– Homes in Het Gooi tend to be larger and more private, with gardens and extra rooms
– Prices start around €750,000 for family homes and go up to €2 million or more in places like Laren or Blaricum
– Many expats choose to buy here after renting for a year or two and seeing how easily they settle

If you are an expat considering buying, especially under the DAFT visa, we will connect you with trusted mortgage advisors who understand your situation and help you navigate the process step by step.

Why choose Homes for Expats

Finding a home in a new country is never just about the house. It is about understanding the schools, the neighbourhood, the commute and the feeling of belonging.

We know this because we have lived it ourselves. And that is why we are different.

At Homes for Expats, we specialise in helping international families find not just a home, but a lifestyle that suits who they are and what they value. We know what to look for, what to avoid and how to make the Dutch housing system feel a little less overwhelming.

We will walk you through each viewing, help you understand the paperwork and make sure every decision you make is fully informed and fully supported.

At Homes for Expats, every story, every client, every move matters to us.

Conclusion

If you are ready to raise your family in a place that feels calm, connected and full of possibility, Het Gooi is one of the best decisions you can make.

From Hilversum to Laren, Bussum to Naarden, there is a home waiting here that will give you more than just space. It will give you balance, freedom, and a real chance to settle in.

We are here to find you a home you will love. And we will never let you settle for just a place to live.

At Homes for Expats, every story, every client, every move matters to us.

Buying a Home in the Netherlands

Nkanyiso@mrnN — Mon, 03 Mar 2025 06:39:54 +0000

Buying a home in the Netherlands can be a daunting task. To make things a bit clearer for those wishing to enter the housing market, I have outlined the basic steps needed for a successful purchase.

1. Financial Capability

Before starting the house hunting process, I always suggest to my clients that they approach either a mortgage consultant or a bank to check their financial capability. It is always helpful to know;

What amount the bank will loan you for a mortgage.
What interest rate you will most likely get.
What money you will need for costs.
What money you need for the over bidding process.

I can recommend Expat mortgages who are excellent and leaders in their field. They offer a free intake meeting where they will be able to advise you of your capabilities.

2. Working with an Aankoop Makelaar

Finding someone who is as passionate about finding you a home as you are, is key in this process. They will be with your every step of the way, and will be the go-to person for every point in this process. Find someone who understands you, someone you understand especially when they are speaking to you, someone who is willing to do the work and not just take your money, someone who knows expats and understands the challenges they face when entering the housing market; perhaps someone who has experience as an expat.

3. Researching Areas

Finding the right area to buy a house in is one of the most important decisions you can make in this entire process. Things to consider are;

Schools.
Amenities; sports centres, gyms, shops.
Expat community.
Distance to work and commuting times.
Bus stop and train station distances and availability.

I always advise my clients to take time over the weekend, visit an area they are interested in living in and spend some time there. Go for lunch, greet people, see how people react towards you. These are all important things to note, because living in a community that is friendly towards expats makes life so much easier, by being able to integrate into a neighbourhood, a community and making friends.

4. Searching for a House

Starting the search process on websites like Funda, knowing what you want in a home and what you don’t. Not every home will tick all the boxes and you have to decide what you can live with and what you can’t.

5. Bidding Process

You have found your dream home now comes the time to bid! Having a Buying Agent that can pull reports of past sales, look at the valuation of the home and give you the best bidding advise is very helpful when making a bid. Your agent will know how to submit a strong bid, what conditions to put in that protect your interests, and what makes for an attractive bid that selling agents will consider. Not all bids are considered and how a bid is worded, what conditions are included and the right financial offer are all key ingredients to winning a bid.

6. Winning the Bid

You won the bid, now what? You need to arrange the technical inspection and valuation if these were part of your bid conditions. Usually this is all handled by your agent. They will also negotiate the contract for you and help with the signing thereof. All housing sales contracts in the Netherlands are in Dutch, as required by law.

7. Notaries

Your agent will make the necessary introduction to the notary and setup the final appointment for transfer. The notaries will then help with the transfer of the property. Your agent will advise the notaries you will be needing a translator (as is legally required in the Netherlands, if you are not native Dutch speaking).

8. Day of Transfer

You and your agent will inspect the house, checking that everything is in working order and in the condition as stated in the technical inspection, this includes improvements that have been made by mutual agreement. If there are any issues, your agent will remain behind to ensure these issues are fixed and will advise the notary of any issues. If you are happy with the condition of the property, then you will go to the notary to sign the documents and receive your keys. You are now the proud owner of your own piece of Dutch heaven.

Benefits of Hiring a Reputable Expat Buying Agent in the Netherlands

Nkanyiso@mrnN — Mon, 03 Mar 2025 06:38:22 +0000

Navigating the Dutch housing market can be a daunting process, especially if you’re unfamiliar with local laws and regulations, the area and the Dutch housing market itself. For expats looking to buy a house in the Netherlands, it’s crucial to have the right support and guidance throughout the entire journey. That’s where a reputable expat buying agent, also known as an “aankoop makelaar,” comes in, as local insight provided by them is invaluable during the process.

I get asked a lot by expats what are the benefits of having an aankoop makelaar in your corner and in this post we are going to delve into the importance of expert knowledge and why it’s in your best interest to retain the services of a trusted expat buying agent, especially one who has walked the journey as an expat and understands just how difficult it is being an expat and then having to traverse the unsure waters of the Dutch housing market. In this post I will detail how an agent can benefit your home-buying journey when searching for a home in the Netherlands.

The Dutch real estate market is unique, and having expert knowledge is crucial to make informed decisions. A reputable expat buying agent specializes in assisting international clients, and they possess extensive knowledge and experience in the Dutch property market. They stay up-to-date with the latest market trends, pricing dynamics, and legal requirements, allowing them to provide you with accurate and reliable information. Their expertise save you from potential pitfalls and ensures a smoother buying process.

Local Insight:

One of the significant advantages of hiring an expat buying agent is their intimate knowledge of local neighbourhoods and communities. They understand the distinct characteristics, amenities, and lifestyle offerings of various areas throughout the Netherlands. By discussing your preferences and requirements, they can recommend neighbourhoods that align with your needs, such as proximity to schools, transportation, or recreational facilities. Their local insight helps you make an informed decision regarding the location of your future home.

Neighbourhood Comparisons:

Choosing the right neighbourhood is crucial when buying a house. However, as an expat, you may lack familiarity with the different areas in the Netherlands. This is where an expat buying agent’s expertise shines. They can provide detailed comparisons of various neighbourhoods, including information about safety, schools, public transportation, shopping centres, and recreational amenities. By understanding your priorities, they can guide you towards areas that best suit your lifestyle, ensuring you find the perfect neighbourhood to call home.

Market Analysis and Pricing:

Understanding market trends and pricing dynamics is essential to make a smart investment. An expat buying agent closely monitors the Dutch real estate market and can provide you with a comprehensive market analysis. They analyze recent sales data, price trends, and the overall market condition to help you determine a fair offer for a property. With their guidance, you’ll have a better understanding of the current market value, ensuring you make a competitive offer without overpaying.

Insights into Legal and Cultural Nuances:

The Dutch real estate market operates within a specific legal framework, and it’s crucial to understand the legal and cultural nuances involved in the buying process. An expat buying agent can explain the local regulations, contractual obligations, and legal documentation required for a smooth transaction. They bridge the language gap, ensuring you understand all the terms and conditions. By providing these valuable insights, they protect your interests and help you avoid potential pitfalls or misunderstandings.

Efficient Property Search:

Searching for a house can be time-consuming, especially when you’re juggling other responsibilities. An expat buying agent understands your unique needs, preferences, and budget. They will streamline the property search process by pre-selecting suitable properties that align with your criteria. This saves you precious time and energy, allowing you to focus on other aspects of your relocation.

Negotiation Expertise:

When it comes to negotiating the purchase price and conditions, an experienced expat buying agent can be an invaluable asset. They possess the necessary negotiation skills and market knowledge to ensure you receive the best possible deal. Their expertise helps you navigate through the intricacies of the Dutch property market, making sure you don’t overpay or miss out on a great opportunity.

Access to Off-Market Properties:

Some of the most desirable properties in the Netherlands are often not publicly listed. A reputable expat buying agent has a vast network and connections within the local real estate community, granting them access to exclusive off-market properties. By leveraging their connections, you increase your chances of finding your dream home before it even hits the market.

Legal and Administrative Support:

The Dutch real estate buying process involves various legal and administrative procedures, including contract reviews, due diligence, and coordination with notaries. An expat buying agent will guide you through each step, ensuring all paperwork is handled correctly and efficiently. They can also recommend trustworthy legal professionals and assist with any language barriers, guaranteeing a smooth and hassle-free buying experience.

Continued Support and Aftercare:

The services of a reputable expat buying agent don’t end with the purchase of your new home. They can assist you with post-purchase matters, such as setting up utilities, connecting you with reliable service providers, and even offering advice on local amenities and cultural integration. Their ongoing support ensures a seamless transition into your new Dutch lifestyle.

Conclusion:

When purchasing a house in the Netherlands as an expat, having access to expert knowledge and local insight is invaluable. A reputable expat buying agent possesses extensive experience in the Dutch real estate market and can provide you with the necessary information to make informed decisions. From market analysis and pricing expertise to neighbourhood comparisons and insights into legal and cultural nuances, they ensure a seamless and enjoyable home-buying journey. Don’t underestimate the importance of their expertise and guidance in finding your dream home in the Netherlands.