Tell me your income and savings. I'll calculate exactly what you can afford and what Dutch banks will say.
Gross annual income (EUR)
Partner income (EUR/year) (optional)
Employment type
Own savings / funds (EUR)
First-time buyer?
Target price (optional)
Pre-filled from your profile — update if needed
Your affordability analysis will appear here.
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Here's your honest affordability picture. Start with the mortgage capacity number — everything else follows from that.
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Describe the property. I'll analyse the price, flag risks, and tell you whether to bid, negotiate, or walk away.
Location / Neighbourhood 0 / 60
Asking price (EUR)
Area (m²)
Energy label
VvE costs / month (apartments)
Listing description 0 / 2000
Your property analysis will appear here.
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Read the red flags section first. Then check the renovation cost reality. The bid decision follows from those two.
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Tell me the asking price, your budget, and the city. I'll give you a specific bid amount and a formal Dutch bid letter ready to send.
Asking price (EUR)
Your max budget (EUR)
City
Area (m²) (for live price benchmark)
Financing status
Competition
Listed for
Bidding method (ask the agent if unsure)
Extra context (optional)0 / 400
Recommended Bid
€ ---
Your bid strategy will appear here.
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Your recommended bid is at the top. Copy the Dutch bid letter and send it the same day — speed matters as much as price.
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Describe the VvE. I'll tell you whether it's healthy, flag financial risks, and list exactly which documents to demand before signing.
VvE details 0 / 2000
Your VvE assessment will appear here.
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Check the Go / No-Go recommendation first. Then read the documents section — what you demand before signing is more important than what you're told.
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Describe the property and your situation. I'll give you a room-by-room inspection checklist, 10 questions to ask the agent, and the decision framework for proceeding or walking away.
Property details 0 / 2000
Your viewing checklist will appear here.
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Save this before your viewing — you'll want it on your phone when you're there.
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Send a personal introduction to the selling agent — it can tip the balance when bids are close.
Property address
City
Asking price
Why do you want this property?
Your situation
Your offer intent
Anything else to include (optional)
Your buyer introduction letter
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Paste clauses from your Dutch lease — I'll translate, flag anything unusual, and tell you what to ask before signing.
Lease clauses to review
Your situation (optional)
Summary
Clause analysis
Questions to ask your landlord
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Enter listing details for an instant deal score, hidden costs, negotiation room and red flags.
Asking price (EUR)
Area (m²)
City / neighbourhood
Property type
Year built (optional)
Energy label (optional)
Monthly VvE costs (apartments)
Days on market (optional)
Is there erfpacht (ground lease)?
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Paste your bouwkundige keuring findings — I'll classify severity, estimate repair costs, and give you a renegotiation script.
Purchase price (EUR)
Inspection report findings
Total estimated repair costs
Dutch 2024 contractor rates
Issue classification
Priority repairs (do before moving in)
Renegotiation strategy
Script for the conversation with the agent
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Ground lease is the single biggest hidden risk for expat buyers — let's check your terms before you bid.
What is erfpacht? You buy the building but not the land beneath it, and pay an annual fee (canon) to the land owner — usually the municipality. The canon can increase dramatically at revision points. Common in Amsterdam Centrum, IJburg, Watergraafsmeer, parts of Den Haag, Leiden and Eindhoven.
Erfpacht terms (paste from contract, or describe)
Purchase price (EUR)
City
Key terms
Red flags
Verdict
Canon buyout option
Mortgage risk
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Word-for-word scripts for every stage of dealing with Dutch agents — from first contact to bid negotiation.
First contact with the selling agent
Script — calling the agent
"Good morning, my name is [your name]. I am calling about the property at [address] — I saw it on Funda this morning and I am very interested. I have a permanent contract, I earn [X] times the monthly rent, and all my documents are ready to send today. Is it possible to schedule a viewing? I am available any day this week."
Why this works: You immediately signal the three things Dutch agents care about most — income qualification, document readiness, and availability.
If they say all viewing slots are full
"I completely understand — it sounds like there is a lot of interest. Would it be possible to put me on a waiting list in case a slot opens? Or if another viewer cancels, I can be there within an hour."
Avoid: Never say "I love it from the photos" or describe the apartment as "perfect" before you have seen it.
At the viewing
Opening the conversation
"Thanks for having me. I read the listing carefully before coming — I noticed [specific detail from the listing]. That is specifically what drew me here. A few practical questions when you have a moment."
Signalling you are a serious buyer
"I want to be upfront: I have my mortgage pre-approval confirmed, so there is no uncertainty on the financing side. I am also flexible on the transfer date. If everything checks out today I would be in a position to submit an offer quickly."
5 behaviours that impress Dutch agents: arrive 5 minutes early; reference a specific detail from the listing; state your documents/mortgage approval are ready; ask specific practical questions; don't bring children or pets unless the listing welcomes families.
After the viewing
Thank-you / follow-up (send within 1 hour)
"Hi [agent name], thank you for showing me the property at [address] today. I am very interested and would like to submit a formal offer. My documents are ready and my financing is confirmed. Please let me know what the next step is."
Asking about other offers without sounding weak
"Could you tell me roughly how many offers you are expecting, or what the seller's timeline for deciding looks like? I want to make sure I structure my offer appropriately."
During bid negotiation
Responding to a counter-offer
"Thank you for the counter. Let me think about that and come back to you by [specific time]. Can you confirm whether there are any other bids currently on the table at this level?"
Handling "we have another offer at the same level"
"I understand. Can I ask — is the decision purely on price, or are other factors like transfer date and conditions also being weighted? I may be able to improve my offer on one or more of those dimensions."
Do not: offer 3 months rent upfront instead of income proof; threaten to walk unless you mean it; cite Funda comparisons without solid data; negotiate only by email — call first, confirm in writing after.