This begins with a discussion with an expert, independent mortgage advisor. They can provide insight into your financial possibilities, including what you can borrow, but perhaps more importantly, what you should borrow. If you also have a property to sell, it is important to have clarity on its value, the time to sell, and the process involved.

t is advisable to categorize your housing preferences into different categories:

• Requirements
• Location
• Price
• Preferences
• Type of property
• Living space
• Number of (bed)rooms
• Outdoor space
• Interesting extras
• Unobstructed view
• Ideal garden orientation
• Garage
• Facilities in the surrounding area

Once you have found a house and scheduled a viewing appointment, it is important to write down the key questions you have for yourself before visiting the property. However, do not be too critical during the first viewing, as your requirements and preferences are likely to change during the process. Take the time to carefully inspect the property and also sit down on the couch or at the dining table.

If you have found the house of your dreams and want to make an offer, it is important to first carefully review all available information. This includes documents such as the title deed, the brochure, and the questionnaire, but also conducting your own research using free websites such as ruimtelijkplannen.nl for information about the zoning plan. Try to research similar sold properties to determine the value. For added certainty, you can call the mortgage advisor to inquire about any interest rate changes that may affect you.

The bidding process can proceed according to various systems; the selling agent will inform you which system is being used. Your offer should include the following:

• Price
• Conditional financing clauses (number of weeks and amount)
• Deposit payment (date)
• Whether or not a structural inspection is required
• Delivery date
• Movable property to be taken over
• Any other conditions

Congratulations! You are now the buyer of your dream home.

The agreements made will be documented in a purchase agreement. This is often a standardized document supplemented with additional clauses and local customs. Note! The deal is only binding once all parties have signed the agreement.

Now it is time to return to the mortgage advisor to initiate the mortgage application process. They will complete this and require, among other things, a validated NWWI appraisal report. This provides the bank with insight into the value of the property and the maximum mortgage they are willing to provide.

A few days before the transfer, you will receive a draft of the deed of transfer and the settlement statement from the notary. Today is a festive day, but still, pay attention to a few important points. You need to take out building insurance before the transfer. Before going to the notary, a property inspection will take place, during which the meter readings will be recorded and it will be checked if everything is as agreed upon. Subsequently, buyers and sellers go to the notary for the transfer. After the notary has reviewed the deed of transfer, it will be signed by all parties, after which the keys can be handed over.