Guides & market notes

Buying in
the Netherlands.

Practical advice on budgets, offers and property checks, plus notes on the Dutch housing market.

01 / The practical things

Buying guides

How buying works, what to budget for and what to check before making an offer.

Buying guides · 2 min read

Buying a home in the Netherlands

From your first budget to the final inspection, know what needs to happen before the keys.

Buying guides · 2 min read

Making an offer you can stand behind

Set your limit, understand the conditions and give the asking price the right amount of attention.

Buying guides · 2 min read

The money to set aside before you buy

A practical budget for the costs around the purchase price, including the ones your mortgage may not cover.

02 / The bigger picture

Market notes

Understand asking prices, completed sales and what market figures mean for your search.

Market notes · 2 min read

What a house price can tell you

Asking prices, recorded sales and market headlines each tell a different story. Here is how to read them together.

Housing numbers / 2026

Costs to check before you buy.

These national rules can affect what you need to budget. Check which ones apply to you before making an offer.

Standard NHG cost limit

€470,000

The 2026 limit, including renovation costs, for the National Mortgage Guarantee. You must also meet its eligibility conditions.

NHG · 2026 conditions ↗

Starter exemption property limit

€555,000

For buyers aged 18–34 at transfer who will live in the home and have not used the exemption before. This limit applies to the property value.

Belastingdienst · 2026 rules ↗

Sources checked 31 October 2026. These figures are general information, not personal mortgage or tax advice.

Read the terms

Coveora

Join the waitlist.

Join the waitlist for buying support across the Netherlands.

Join the waitlist