Buying a House in North Holland: A Step-by-Step Expat Guide

Our rates

We believe in full transparency. Buying a house in the Netherlands involves various costs, and figuring out the financial side of a move can be stressful enough. That is why we want you to know exactly where you stand in advance.

Transparent Pricing. No Surprises.

We believe in full transparency. Buying a house in the Netherlands involves various costs, and figuring out the financial side of a move can be stressful enough. That is why we want you to know exactly where you stand in advance.

At Mortgage Spotters, you pay a clear, fixed rate for our expertise. No hidden fees, no unexpected invoices, just straightforward, independent advice tailored to your life as an expat.

Mortgage Advice

From

2750,-

Independent mortgage advice
Documents via a secure client portal
Request mortgage offer
Guidance up to the notary

Make an appointment

Mortgage Advice + Buying Agent Basic

From

5500,-

Independent mortgage advice
Documents via a secure client portal
Request mortgage offer
Guidance up to the notary

Buying Agent Services

Bidding strategy & negotiation
Legal check purchase contract
Structural survey coordination

Make an appointment

Mortgage Advice + Buying Agent Full Service

From

6750,-

Independent mortgage advice
Documents via a secure client portal
Request mortgage offer
Guidance up to the notary

Buying Agent Services

NVM-certified expat buying agent
End-to-end guidance until the transfer of ownership
Guidance during viewings
Active home search

Make an appointment

Additional Services & Surcharges

Every expat's financial footprint is unique. Depending on your situation, extra work may be required to secure your mortgage. We will always discuss this with you in advance, so you are never caught off guard.

Personal Situation

Home mover: € 350
Freelancer / Self-employed (ZZP): € 500
Entrepreneur / Director-Major Shareholder (DGA): € 600
Extra income sources (e.g., from abroad): € 300
Mortgage > € 1 million: € 300
Starter loan: € 300
Divorce: € 300
Spousal support: € 300
spousal maintenance: € 300

Property Type & Mortgage Type

Buy-to-let mortgage (Full process incl. yield & tax analysis): From € 3,495
New build (Project construction): € 250
New build (Self-build / CPO): € 500
Non-regular housing (Houseboat, tiny house, leasehold): € 950
Family bank structure: € 300
Liability agreement (Draagplichtovereenkomst): € 300

Arranging Insurances

Life insurance (ORV): € 250
Monthly expense insurance (Woonlastenverzekering): € 250
Bank guarantee application: € 100

Extra Services

Bidding with Certainty (Unconditional bidding, without financing clause): € 850
Bridging loan (Overbruggingskrediet): € 300
Extra mortgage offer: € 500
Arranging an appraiser: € 100
Online desktop appraisal (If possible): € 250