Real estate agency for expats in Eindhoven

1. Mortgage for expats in Eindhoven: what you need to know
Getting a mortgage as an expat in Eindhoven can be challenging. Banks often require a higher down payment, sometimes up to 10-30% of the purchase price. Do you have a temporary contract? Then the bank will carefully evaluate your income and job security. Good guidance and advice is crusial in this process and therefore it is advisable to involve an expert to make the right choices. Yes, I want advice!

2. Take advantage of the 30% ruling as an expat
Are you working in the tech sector or another specialized field? You may qualify for the 30% ruling, which allows you to pay less tax on your salary. This added financial benefit can make buying a house in Eindhoven even more appealing. If you want to make maximum use of all the benefits as an expat, it is wise to hire a broker. Yes, I want to review my benefits.

3. Mortgage and residence permit in the Netherlands
Do you have a temporary residence permit? This can impact your mortgage options. Banks require assurance about the length of your stay, which may affect how much you need to pay upfront or how quickly you must repay the mortgage. A real estate agent can help you navigate these requirements and find the best options for your situation. Let's discuss my options.

4. Buyer’s costs (k.k.): what you need to know
As a buyer in the Netherlands, you are responsible for the "kosten koper" (k.k.). These are additional costs like notary fees, transfer tax, and appraisal fees. Expect these to amount to around 6% of the purchase price. Make sure to include this in your budget.

5. Registering with the Land Registry: do it right away
After the purchase, your property must be registered with the Land Registry (Kadaster), the official property ownership register in the Netherlands. The notary will handle this for you. Make sure everything is properly registered with your purchasing agent. More about our purchasing service.

6. The housing market and bidding process: be prepared
The Dutch housing market is competitive, especially in cities. Popular homes sell fast. Be ready for bidding wars and quick decisions. Ensure your finances are in order so you can act quickly. Get started with a purchasing agent.

7. Local rules for homebuyers: know the law
Some municipalities have specific rules for homebuyers, like regulations on renting or requirements to live in the property yourself (self-occupancy rules). Be sure to check these rules with your advisor before completing the purchase. Contact our advisor.

8. Rent out your house after leaving Eindhoven
Not sure how long you’ll stay in Eindhoven? Consider renting out your house when you leave. But be careful: many municipalities in and around Eindhoven have rules for renting. Make sure your mortgage provider allows it, or you could face problems. Let's check your possibilities.

9. Buying vs. renting: what’s better for expats in Eindhoven?
Are you debating between buying or renting? If you plan to stay in Eindhoven for a few years, buying is often a smart choice. You build equity and benefit from rising property values. Renting gives you more flexibility, but in the long term, buying is usually more cost-effective. Let's see if renting or buying is the best option.

10. Arrange for an English translation of documents
Buying a house in the Netherlands is often a Dutch-centric process. Many contracts and documents are in Dutch. Don’t understand everything? Always request a realtor who can explain everything clearly.

11. Ask for advice from an expat realtor in Eindhoven
The housing market in Eindhoven is competitive, especially for expats. A local realtor experienced in helping expats can guide you well. They know the rules, the best neighborhoods, and how to help you buy a house quickly and safely.

12. Check the tax rules as an expat homebuyer
When buying a house in the Netherlands, you’ll deal with various taxes. This can affect you both in the Netherlands and your home country. Get the right advice to avoid double taxation issues. Get advice about your taxes.

13. Energy efficiency of homes in Eindhoven
When buying a house, consider the energy label. A house with a good energy label means lower energy bills. This is especially useful in the Netherlands, where energy costs are high. Many homes in Eindhoven are well-insulated and energy-efficient.

14. Look at homes outside Eindhoven
House prices in Eindhoven are rising fast. Are you looking for a property with more space or a lower price? Consider homes in nearby towns like Veldhoven, Best, or Helmond. These places are close by and often offer better options for expats.

15. Culture and expectations: understand the Dutch housing market
Buying a house in the Netherlands might be different from what you’re used to. Communication with realtors is often direct and informal. There is usually little room for negotiation. Adapting to the Dutch way of working will help you navigate the process smoothly.