How to Buy Property in the Netherlands as a Foreigner

Who can buy property in the Netherlands?

In the Netherlands, property ownership is open to both residents and non-residents, including foreign nationals. The country maintains relatively liberal rules when it comes to property ownership by individuals from abroad.

Do the research

Investing in real estate in the Netherlands is appealing for various reasons. The country boasts a stable and well-developed economy, with a robust real estate market that has shown resilience and growth. High-quality infrastructure, a strategic location in Europe, and a strong legal framework make it an attractive environment for investors. The government´s openness to foreign investment, coupled with a growing technology and innovation sector, enhances the overall investment climate. Sustainable development initiatives align with modern trends, providing opportunities for eco-friendly real estate projects. The potential for rental income is substantial, given the strong demand for rental properties, especially in urban areas.

Before investing, thorough research, consideration of market conditions, and consultation with local experts are essential to make informed decisions.

Here are a few of the more sought-after areas for real estate investments:

  • Amsterdam - The capital city is a major hub for business, culture, and tourism. Amsterdam has a diverse range of neighborhoods, each with its own character, making it attractive for various lifestyles.
  • Utrecht - This city, centrally located in the country, is known for its historic architecture, canals, and vibrant atmosphere. It´s a popular choice for both residents and businesses.
  • Rotterdam - As a major port city, Rotterdam has undergone significant urban development and modernization. It offers a mix of contemporary architecture and diverse neighborhoods.
  • The Hague (Den Haag) - The political and administrative center of the Netherlands, The Hague is known for its international community, government institutions, and cultural attractions.

Where to find properties online:


Foreigners are eligible to secure property loans in the Netherlands. The Dutch banking system permits non-residents to apply for loans, but they can be subject to specific conditions and requirements, such as having resided in the country for a minimum of 5 years and a higher deposit compared to residents.

You also have the option to choose a mortgage that incorporates the Dutch National Mortgage Guarantee (NHG). With this arrangement, your mortgage is backed by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), resulting in reduced risk and a lower interest rate. As of 2023, this guarantee applies to mortgages for homes costing up to €405,000.

Due Diligence and Sales Contract

Real estate due diligence in the Netherlands is advisable, though not obligatory, for all property acquisitions as part of the pre-purchase stages. Typically, lawyers will primarily examine the acquisition documents and inquire about any existing tenancy, mortgage, or insurance issues.

Alternatively, enlisting the assistance of a construction expert can extend the process to encompass a thorough and meticulous examination of the legal structure governing the building.

Property Buying Costs and Taxes in the Netherlands

Transaction Costs
    Who Pays?
Transfer Tax 2.00% - 10.40% buyer
Legal Fees 1.00% - 1.50% buyer
Registration and other Fees 1.00% - 1.20% buyer
Real Estate Agent´s Fee 1.00% - 2.00%
1.00% - 2.00%
Costs paid by buyer 5.00% - 15.10%  
Costs paid by seller 1.00% - 2.00%
Source: Global Property Guide