Buying your next home

You've owned your own house for a while now. But as time goes on, your personal and financial situation changes, and so do your housing needs. It's time for a new home!

The reason for your next house

Are you moving in together or do you already live together and expecting a growing family, then you may need more space. But you may also have increased your income and would like to have more living comfort. Whatever your reason is for buying a next house, it’s important to know your financial possibilities. Because this depends on multiple factors, it’s wise to first have an orientation meeting with a mortgage advisor, which is free of charge and without obligation. This way, you can start your house hunt well-prepared.

The equity in your current house

The house you currently live in may have equity. This equity is important for determining the price range in which you can look for your next house. You can calculate the equity by subtracting the outstanding mortgage and sales costs from the current market value. In principle, you can do what you want with the equity from the sale of your old house, but if you want to benefit from the maximum mortgage interest deduction, it’s wise to use your equity for the purchase or renovation of your next house. If you don’t do this, the interest on a portion of your new mortgage, equal to your equity, is not deductible. This non-deductible portion is also called a box 3 loan.

Taking your mortgage with you

It’s possible to take your old mortgage with you to the mortgage for your new house. You actually do take out a new mortgage, but you keep the terms, interest, and monthly payments of your old mortgage. If your new mortgage is higher, you’ll still need to take out a new mortgage for that higher amount. Taking your mortgage with you is usually advantageous if the interest on your old mortgage is lower than the interest on newly taken out mortgages.

Expert Expat Mortgages Service – Schedule Your Consultation Today”

Ready to take the next step and learn more about our expert expat mortgages service? Looking to schedule a consultation? Our team is here to help! Don’t hesitate to contact us for more information or to schedule your appointment today.

Do you have any questions?

Don’t hesitate to reach out to us with any questions you may have about mortgages for expats or buying a house in the Netherlands as an expat. You can contact us via our online form or reach out to David or Erik directly via Whatsapp, either way we are here to help you and answer your question as soon as possible.

The lenders we compare:

Our clients choose us for:

  • Customized and all-inclusive assistance
  • Full-service support
  • Efficient communication with expat-friendly banks
  •  Flexible scheduling
  • Transparent and fair pricing
  • Direct client communication
  • Coordination with real estate agents
  • Arranging building Inspection, valuation and notary
Explore mortgage possibilities
David Kamp
Erik Vulhop
  • Sadeestraat 20
    2596 XC Den Haag

Vergunningsnummer: 12048898

Aansluitnummer: 300.018.336


Advieskeuze: Gecheckt