Financing your home purchase in the Netherlands
You've found a home and now you're wondering how to arrange the financing. Applying for a mortgage, estimating the purchase costs, finding out whether a starter's loan applies to you: these questions pile up right when you want to move fast. Libero Aankoop and Libero Financieel arrange the purchase and the financing together, so you go into the negotiation with a sharp offer and a clear financial picture.
Financing your Dutch home: the topics that help you further
Financing is about more than your mortgage alone. The topics below cover the questions that matter most when financing your home. Want to know what a home is worth before you start calculating? Find out how to determine a home's value.
Starter's loan
Do you qualify for a starter's loan? We explain who this scheme applies to and how to apply.
Buying a home without a mortgage
Sometimes buying without a mortgage makes sense, sometimes it doesn't. We explain when it works and when it doesn't.
Costs of buying a home
Besides your mortgage, extra costs are involved. A complete overview of the additional costs of buying a home.
Is a buyer's agent tax-deductible?
Can you deduct the cost of a buyer's agent from your taxes? We give you an honest answer to this common question.
Mortgage advice
Independent mortgage advice through Libero Financieel, aligned directly with your bidding strategy and purchase plan.
Buyer's agent or mortgage advisor?
What's the difference between a buyer's agent and a mortgage advisor, and do you need both? We put the two roles side by side.
Why arranging your financing through Libero Aankoop is smart
Clarity on your budget, fast
You know exactly what you can borrow and what the home will cost you in total before you make an offer.
No conflicting interests
We and Libero Financieel are 100% on your side. No sales pressure, no hidden interests.
Purchase and mortgage under one roof
Libero Financieel aligns your mortgage advice directly with your bidding strategy. No duplicate work, no conflicting advice.
Nationwide coverage
Wherever your dream home is located, we and our financial advisors are active throughout the Netherlands.
Thousands of home buyers went before you
Already 39.100 home buyers went before you with their purchase and financing. Curious what they think of our approach?
What does arranging financing through Libero cost?
For purchase guidance, you work with a fixed base rate of € 1.795,- incl. VAT, regardless of the purchase price of your home. This base rate applies to almost all clients. If we buy below the asking price, you additionally pay a 10% performance bonus on the negotiation result achieved. Different rates may apply to a select group of clients.
Mortgage advice from Libero Financieel is discussed separately and depends on your personal situation. This way you know exactly what to expect, for both the purchase and the financing.
- Fixed base rate: € 1.795,-, no commission on the purchase price.
- Fair performance bonus: only when we buy below the asking price.
- Independent mortgage advice: through Libero Financieel, tailored to you.
Frequently asked questions about financing
No, a final mortgage approval isn't required to make an offer. It is smart to know in advance what you can borrow at most. That way you bid with confidence and avoid losing a home due to financing uncertainty.
The cost of mortgage advice depends on your personal situation. Libero Financieel always discusses this transparently in advance, separately from the fixed base rate you pay Libero Aankoop.
Yes, if you have enough capital of your own. It can offer advantages in negotiation, but it also carries risks. Read our page on buying a home without a mortgage to find out when this makes sense.
Think of transfer tax, notary fees, valuation costs and advisory fees. Our page on the costs of buying a home gives you a complete overview.
This differs per municipality and depends on your income and the purchase price of the home. On our starter's loan page we explain how to check whether you qualify.
The cost of a buyer's agent usually isn't directly deductible when buying your own home. There are exceptions, for example with rental properties. Not sure? Contact us for personal advice.
Get your financing and purchase sorted in one go
Want to be sure your financing and your bidding strategy line up? We and Libero Financieel are here to help.