Viisi Expats: Recent Episodes
Viisi Expats
Living in the Netherlands as an expat and you are going to buy your first or a new home? Or do you want to refinance your current mortgage with a lower mortgage charge? Then there is a lot of information and choices to consider.
In the Viisi Expats podcast we provide you with tips & tricks to help you get started in the process.
So, you’re looking to buy a house in the Netherlands. Great choice! But how do you get started? There are quite a few typical Dutch rules and regulations to keep in mind when buying a house. As a start: yes, you can buy property in the Netherlands, depending on your residence status. There might be different requirements per mortgage provider but if you are an EU citizen or a highly skilled migrant there are plenty of options. Want to know more about these typical Dutch rules and regs? Read more: https://www.viisi-expats.nl/
You quite like the idea of owning your own home. Your current rented property may still be alright, but there’s that nagging feeling you’re throwing money away – which is why you have been considering going house-hunting. There’s just one problem: you don’t have a fixed employment contract. Well, don’t delete that Funda app right away! A mortgage without a fixed employment contract is often still possible, with an additional statement from your employer or employment agency.
Is your fixed interest term about to expire? Are you looking to refinance your interest-only mortgage? Or to refinance your mortgage? With today’s low interest rates, it may make sense to consider switching your existing mortgage to another lender. By refinancing your mortgage, you could get a lower interest rate, as well as better terms – or both. It also pays to look beyond the offer of your current lender.
So, you’ve finally found your ‘fixer-upper’ dream home. Naturally, you know it’s going to involve heaps of work! How are you going to pay for the renovation though? You can of course tap into your own capital, but in many cases, you can also include the financing of the renovation in your mortgage. We’ll explain how it works.
If you’ve been lucky enough to win the draw procedure for a new build home, then congratulations! But before you let the champagne pop, what are the next steps to consider? A mortgage for a new build home is a different proposition from a mortgage for an existing house, and there are some things that should be taken into account.
Many PhD candidates think that It will not be possible to obtain a mortgage during their doctoral research, which is understandable, as temporary employment contracts are not particularly popular with mortgage lenders. Nonetheless, there are options for buying a home during this period. Thanks to the (often) promising prospects for the future, several providers have special policies for PhD candidates. Depending on your situation, there are often more options than you might have thought.
More info: www.viisi-expats.nl/mortgages/a-mor…ctoral-studies/
In December 2020, the Dutch senate gave its approval to the Tax Plan 2021, which also includes the transfer tax exemption for first-time buyers and some people who are buying their next home. In this update, we will discuss the most important points.
Are you planning to buy a (first) house in 2021? There are a few things to consider. Every year a number of things change in the area of mortgages and the housing market. Even if you already have a mortgage. Time for an update!
Are you going to buy your first home? You will be faced with many things to deal with! It is important to explore your options. Many first-time buyers like to prepare thoroughly so they know exactly what to expect during the financing process. Viisi has therefore listed the 5 most frequently asked questions by first-time buyers.