Home Evaluation

When purchasing a home in the Netherlands, an independent home evaluation report plays a crucial role in securing a mortgage. Banks require this report, conducted by a third-party certified appraiser, to determine the official market value of the property before granting a loan. This evaluation directly impacts how much financing you can obtain.

Loan-to-Value (LTV): Maximum 100%

Dutch banks follow strict mortgage regulations, with a Loan-to-Value (LTV) ratio capped at 100% of the appraised value. This means that the maximum mortgage amount you can receive is equal to the market value of the property—not the purchase price. If you agree to a purchase price higher than the appraised value, you will need to cover the difference from your own funds.

The Added Value of a Buying Agent

A strategic purchase price is key to avoiding financial setbacks. This is where a professional buying agent makes a difference. With in-depth market knowledge and data-driven analysis, we ensure that your purchase price aligns with the property's real market value. This prevents overpaying and reduces financial risks when securing a mortgage.

Secure Your Future Home with Confidence!

Don’t leave your home purchase to chance. With expert negotiation skills and a sharp eye on market trends, we help you target the right price, ensuring a smooth mortgage process.

📞 Let’s discuss your home-buying strategy today!

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