Moving
Over time, your life can significantly change. Your housing needs may change, and you might consider moving to a new home. Buying a new property is a big and exciting step. On this page, we explain how the Dutch home buying process works and what to keep in mind during this exciting journey.
1. Exploring Your Options
The first step is to explore your options. Before you start looking for a new home, it is essential to understand what is possible in your current situation. We are happy to help you map this out in a free, no-obligation introductory meeting. In this first meeting, we will calculate your maximum mortgage, the monthly costs you need to consider, and the additional expenses. It is also significant to consider your current home, your current mortgage, and any double mortgage costs.
At OHAO, we understand that you may have more questions after the meeting or in the future. To assist you as best as possible, you will receive the contact details of the advisor you spoke with after the introductory meeting. This advisor will also assist you with your potential future mortgage application. You will always have a fixed contact person who is familiar with your situation!
- We always aim for the best fitting offer
- Always reliable, your personal advisor
2. Looking for a new home
Once your financial possibilities are clear, you can start searching for a new home. You can look for a home that meets your requirements yourself, or you can hire a buying agent. Have you found your dream home? Then you are ready for the next step.
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3. Placing an offer on a property
Once you have found a new home that meets all your needs, it is time to make an offer. For many people, this is an exciting moment. We are here to support you as best as possible. So, do not hesitate to contact us if you have any questions.
Arranging your mortgage
When you and the seller agree on the price, a preliminary purchase contract will be drawn up. This contract includes agreements about the time frame in which the mortgage must be arranged, the date of the transfer, and much more. After signing the purchase agreement, you have three days to reconsider. Once these three days have passed, the purchase contract becomes binding.
After your offer is accepted, you can start applying for the mortgage. You have done this before, but this time there are other things to consider. For instance, you may transfer your current mortgage or take out a bridging loan if you have not yet sold your old home.
Consultation
During a consultation with your advisor, you will discuss the main elements of a mortgage that best suits your situation. The potential risks of a mortgage will also be identified, so you know what risks you are taking, such as becoming partially disabled, and which insurances can cover such risks.
After the consultation, you will receive an advisory report. This report summarizes what was discussed during the consultation, so you can review it at your convenience.
Applying for and signing the mortgage
Your mortgage advisor will then apply for the desired mortgage for you. Once the lender has approved your application, you will receive a binding offer. After signing the binding offer, the mortgage is arranged, and you are ready for your appointment with the notary.
4. Arranging your mortgage
5. To the notary
This is the moment you have been working towards: at the notary, you sign the deed of transfer and the mortgage deed and receive the keys. With this, you are officially the owner of your dream home, congratulations!
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We always strive for the best-fitting offer
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Always reliable, your personal advisor
For all your questions, you have contact with one advisor, whom you can rely on!
Your first consultation is always free and without obligation
Schedule an introductory meeting this week, even in the evenings!
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