Buying a house in the Netherlands with a home loan online: pros and cons



Buying a house in the Netherlands is easier than you might think, especially now that more of the process can be done online. And while a mortgage application used to mean endless meetings, filling out forms and lengthy email conversations, now you can settle one entirely from the comfort of your own home.

“It was the coronavirus pandemic and the need to move much of our work online that led to the idea,” says Chiel Versteege of, the first fully online Dutch mortgage broker.

“People who want to know how to buy a house in the Netherlands are used to looking for information about the process online, so we thought, why not digitize the whole mortgage application process as well? “

The result, one year of preparation, is streamlined service that covers the process from start to finish, which Chiel says can be completed by first-time buyers when and where they’re convenient.

But is it really that easy? What are the pros and cons of using an online mortgage broker to buy a house in Amsterdam, Eindhoven or The Hague?


For starters, using an online mortgage broker like is best for you if you are a first-time buyer with regular employment, with a permanent contract, or at least a year. Because you have no history in the Dutch mortgage market, your file should be straightforward and easy to process – making a smooth online system the obvious way forward – as long as you are proficient in the internet, of course.

If you are self-employed, work through an agency, or have a lot of cash to spend, your situation is more complicated. A face-to-face meeting with a personal mortgage advisor will give you better insight into your options.

Applying for a mortgage in the Netherlands online is also only open to people who are officially resident here. Again, a personal advisor can help you better if you are a “non-dom” but still looking to buy.


Applying for a mortgage online can also be cheaper than going through a regular broker. MyDutchMortgage, for example, charges less than $ 2,000 for the full package – and you only pay after the deal is signed, sealed and delivered. So you can fill out the application form and upload all your documents without paying a dime.

A typical home loan application through a bank or traditional broker can cost around € 3,000 once all additional costs are included. Also keep in mind that a traditional mortgage advisor will offer a free initial consultation, but after that the fees will start to add up.

Self service

Of course, the biggest advantage of applying for a mortgage online is that you can fill out the forms at a time that suits you – without having to worry about filling them out all at once, or processing documents in a foreign language. ., for example, is a service entirely in English. Once registered, you can go through the simple six-step process, filling out the information each time you log in, even if you’ve spent half the night on a conference call with the United States.

And if you can’t answer questions about the different types of mortgage loans on offer in the Netherlands – yes, some documents are quite tedious but required by law – you can always skip to the next section and come back to it later. .

More importantly, since all digital documents are kept in one place, you don’t risk losing important documents, whether on your desktop or in the cloud.


It goes without saying that if the idea of ​​applying for a mortgage to buy a house in the Netherlands online seems too intimidating to you, or if your situation is more complicated because you already have a property for sale, then the mortgage broker traditional is still your best option, says Chiel.

However, Chiel warns, shop around to make sure you get the best price (look at all those added extras) and make sure your broker is truly independent, so you get the best deal possible.

“Buying a home and taking out a first mortgage can be stressful at the best of times, so do whatever you can to make the process as easy and convenient as possible,” says Chiel. “Online or offline – there are pros and cons to every approach. “

To learn more about taking out a mortgage online, visit

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