Pre-Arrival Planning
Moving to the Netherlands in 2026
Start planning your Dutch property purchase before you arrive. This timeline helps you prepare financially and strategically.
100%
Max LTV in 2026
4-6%
Buying Costs
30%
Tax Ruling Benefit
€510k
First-Time Buyer Limit
Before You Move Checklist
Key financial documents and decisions to handle before relocation.
Documents to Gather
- Employment contract or job offer
- 3 months of payslips (current employer)
- Bank statements showing savings
- Tax returns from past 2-3 years
- ID/passport copies
- Visa/permit documentation
Financial Preparation
- Save 4-6% of target property price for costs
- Check credit history in home country
- Understand your net salary after 30% ruling
- Budget for temporary housing (1-3 months)
- Plan for double-rent period if needed
- Research property price ranges
Your 12-Month Timeline
A strategic approach to buying property as a new expat in 2026.
1
6-12 Months Before
Research & Preparation
- Understand Dutch mortgage rules and your eligibility
- Calculate approximate borrowing capacity
- Start saving for buying costs (4-6% of property)
- Research neighborhoods and property prices
- Check if you'll qualify for 30% ruling
2
3-6 Months Before
Financial Setup
- Gather financial documentation from home country
- Get employment contract or offer letter confirmed
- Understand your visa timeline
- Pre-qualify with a mortgage advisor
- Open Dutch bank account (if possible remotely)
3
1-3 Months Before
Active Preparation
- Finalize job contract and 30% ruling application
- Complete mortgage pre-approval if employment confirmed
- Arrange temporary housing for arrival
- Plan registration at gemeente (municipality)
- Research notaries and buying agents
4
First 3 Months in NL
Arrival & Action
- Register at gemeente and get BSN
- Open Dutch bank account with BSN
- Finalize mortgage pre-approval
- Start property search actively
- Engage a buying agent (aankoopmakelaar)
Important for 2026 Movers
- •30% Ruling Changes: Rules may change - verify current eligibility before planning.
- •Can't Buy Before Arrival: You need a BSN (citizen service number) to complete a purchase.
- •Market Conditions: Dutch housing market is competitive - be prepared to act fast.
- •First-Time Buyer: If you're 18-35 and never owned property in NL, you may be exempt from transfer tax.
Planning Your 2026 Move?
Get personalized advice before you arrive. Our advisors can assess your situation remotely and help you prepare.