How much salary and savings are needed to buy a house in the Netherlands in 2026? Is it possible to get a mortgage with a single salary? Can you use your savings from Turkey? Is it possible to buy a house as an expat or ZZP (Zone for Living in the Netherlands)?

In this video, we discuss the most frequently asked questions about buying a house and mortgage in the Netherlands in detail with *Özlem Özay* from MortgageAll, according to the conditions of 2026.

Our first video, made two years ago, was watched by approximately 8,000 people, and some viewers contacted Ms. Özay after that video and became homeowners. In this video, we update the information and delve into many more topics.

Some of the topics we discuss in the video:

Using savings from Turkey to buy a house in the Netherlands

Getting a mortgage with a single salary or as a single person

New expats buying a house in the Netherlands

Is it wise to wait for interest rates to fall?

NHG and mortgage interest rates

DUO, the impact of car and phone loans on mortgages

BKR records

Bank account information required by banks in Turkey

The real cost difference between mortgage and rent

Overbidding and bidding on a house

How much cash you need to have in your pocket to buy a house

Transfer tax advantages on first-time homebuyers

Mortgage for sole proprietorship owners

Things to do before starting your house search

⏱️ SECTIONS

00:00 Buying a house in the Netherlands: 2026 update

00:33 Mortgage debt or investment?

01:12 Buying a house in the Netherlands with savings from Turkey

02:21 Is income from Turkey included in the mortgage account?

02:51 Is it possible to buy a house with a single salary and as a single person?

03:37 Getting a mortgage in the Netherlands as an expat

05:12 Is it sensible to wait for interest rates to fall?
06:59 Is the consultant offering the lowest interest rate the best?

07:55 How are NHG and mortgage interest rates determined?

08:28 How do DUO, phone, and car loans affect mortgages?

10:55 Can the bank request your accounts in Turkey?

12:20 A realistic example based on salary, savings, and mortgage

14:18 Rent or mortgage? The real cost difference

15:57 Is it right to use the maximum mortgage offered by the bank?

16:37 Overbidding: What happens if you bid more than the value of the house?

17:58 How much cash is needed to buy a house?

18:40 Transfer tax advantage in first home purchase

20:36 Is it possible to get a mortgage as ZZP?

22:40 The first 3 steps for those who want to buy a house

24:05 How can you reach Özlem Özay?

🏡 To buy a house in the Netherlands or to learn about your own mortgage options, you can contact Özlem Özay:

🌐 www.mortgageall.nl

📧 ozlem@mortgageall.nl

📱 +31 6 29260232

You can reach us via phone, email or WhatsApp.

Mortgage options may vary depending on your income, existing debts, residency status, the value and energy efficiency rating of the property, interest rates, and your personal financial situation. The information in the video is for general informational purposes only and is based on the conditions at the time of filming.

#Netherlands #Mortgage #BuyingaHouse