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Roadmap · Buying a home in NL
Buying a home in the Netherlands

Your route to your own front door

From the first viewing to receiving the keys — in 7 clear steps. European Insurance & Mortgages coordinates the entire journey, working with Butler Makelaardij as your buying agent and Easynuts for your utilities. One point of contact, fully in English.

Butler Makelaardij — buying agentEuropean Insurance & Mortgages — mortgage & insuranceIndependent notaryEasynuts — utilities
01
 

Search & buying agent

Butler Makelaardij
  • Intake and a sharp search profile: wishes, area and budget
  • Viewings, structural check and market-value assessment
  • Negotiation and making an offer
  • Signing the preliminary purchase agreement (with conditions)
02
 

Mortgage advice & orientation

European Insurance & Mortgages
  • Advice meeting and calculation of your maximum mortgage
  • Interest type, term and repayment — including NHG check
  • Preliminary quote; arrange the financing condition in time
03
 

Gathering documents

European Insurance & Mortgages
  • ID, income, employer's statement and BKR credit check
  • Purchase agreement, valuation report and own-funds overview
  • Expats: BSN, residence permit / 30% ruling and foreign income
04
 

Acceptance & valuation

European Insurance & Mortgages · with your lender
  • Valuation and assessment by the lender
  • Arrange a bank guarantee or deposit (usually 10%)
  • Receive and sign the binding mortgage offer
05
 

Notary & transfer

Independent notary
  • Review the draft deed of transfer and mortgage deed
  • Check the settlement statement; final inspection of the home
  • Signing at the notary — and handover of the keys
06
 

Insurance

European Insurance & Mortgages
  • Buildings / home insurance — often required by the lender
  • Contents and liability insurance
  • Term-life and optional mortgage-protection insurance
07
 

Utilities & registration

Easynuts
  • Energy, water and internet/TV arranged in one go
  • Register with the municipality and local taxes
  • Submit meter readings and complete the move
 

Welcome home 🔑

You're living in your own home — financing, insurance and utilities fully arranged.