October 8, 2026
Many internationals assume they need a large amount of savings before they can buy a home in the Netherlands. In reality, most of our buyers start with zero or minimal savings. Here is how that works, and what to keep in mind.
You can borrow up to the value of the home
In the Netherlands you can borrow up to 100% of the market value of a home. So if a home is valued at the purchase price, the mortgage can cover the full price. How much you can borrow in total depends on your income, your financial obligations and the current rules for lenders.
What about purchase costs?
On top of the purchase price, you pay purchase costs (kosten koper). Think of:
Transfer tax (overdrachtsbelasting), unless you qualify for an exemption
Notary fees for the transfer and mortgage deeds
A valuation report and, if you want, a building inspection
Mortgage advice and arrangement costs
These costs are usually not part of the standard mortgage, which is why buyers often think they need savings.
Ways to buy with little savings
There are several routes that can lower the amount you need upfront:
Starters exemption: first-time buyers under 35 may not have to pay transfer tax if the home is below the price limit for that year.
Energy-saving improvements: if you make the home more energy efficient, you may be able to borrow extra for those improvements.
The right timing and structure: a good mortgage advisor looks at your full situation and finds the structure that fits, so you know exactly what you need before you start bidding.
The exact options depend on your income, contract, residence status and the home you buy. That is why personal advice matters.
Bottom line
Little or no savings does not have to stop you from buying. With the right advice you know your real budget, your upfront costs and the fastest route to your own home. Book a free strategy call and our mortgage advisors will map it out for you.
