Nijmegen€399,000 k.k.
Leuvensbroek 1635, Nijmegen
3 bedrooms95 m²Energy label B
Why does the type of Nijmegen home matter for your mortgage talk?
The homes an international buyer looks at in Nijmegen can be very different from each other. A flat in a post-war block in the rebuilt centre, a 1920s townhouse in Nijmegen-Oost, a family home in Dukenburg, which was built from 1966, or a recent house in Lent each raise their own questions. With a flat you share costs with the other owners through an owners' association ("VvE"), and that monthly contribution is part of what you pay every month. With an older house, maintenance and any improvements come out of your own pocket.
Those differences are exactly the things to bring to your mortgage adviser. We tell you what we see in a house, for example the state of the roof or the documents of the owners' association, and you discuss with the adviser what that means for you. Our role stays with the house and the negotiation; the advice on the loan comes from the adviser.
Neighbourhoods and villages
CentrumNijmegen-OostBrakkensteinHengstdalDukenburgLentOosterhout
Municipality of Nijmegen. Our office is at Bijsterhuizen in Wijchen.
How do the steps line up when you buy near the campus or north of the Waal?
Say you work at Radboud University or Radboudumc and focus on the streets around the Heyendaal campus, such as Brakkenstein or Hengstdal. When a house there appeals to several buyers, it helps to know your budget before you view, not after. The same goes for Nijmegen-Noord, where the Waalsprong around Lent and Oosterhout has been built since the late 1990s. Buyers there regularly weigh a new-build project against an existing house nearby, and the timing of a new-build purchase works differently, which is worth raising with your adviser early.
Our office at Bijsterhuizen is in Wijchen, the municipality that borders Nijmegen on the west side, not far from Dukenburg and Lindenholt. Because KFD Woonadvies works from the same building, you can plan a talk with the adviser and a meeting with us during one visit, if you want to. You are free to use another adviser; in that case we simply coordinate the dates with them.
Where does the mortgage fit in the Dutch buying process?
Before you bid, it helps to know your budget, so that your offer is realistic and you do not set your heart on a house you cannot finance. When you and the seller agree, the purchase agreement commonly includes a financing condition ("financieringsvoorbehoud"): if you do not get the loan by an agreed date, you can still dissolve the purchase. We make sure that condition is in the agreement when you need it, with a date set in consultation with your adviser.
The lender usually wants a valuation report from a valuer ("taxateur"). That is not the same as our free home valuation ("waardebepaling"). We do not make formal valuations, but we can refer you to a valuer from our network in the region. On the transfer day the payment runs through the civil-law notary ("notaris"), where you sign the deed of transfer.
What do we do, and what does KFD Woonadvies do?
We are your estate agent, not your mortgage adviser. When you contact us about buying in Nijmegen, we ask whether you already know your budget. If not, we can introduce you to KFD Woonadvies, the mortgage adviser in our building, and you make your own arrangements with them about the advice. With your budget clear, we search for homes in Nijmegen and go to viewings with you. When you want to buy, we negotiate for you and check that the purchase agreement contains the conditions you need, including the financing condition. We keep the dates for the agreement, the valuation and the notary in one planning together with you and your adviser. Our fee for the buying support is discussed upfront.
- An introduction to KFD Woonadvies at our address in Wijchen
- A financing condition in the purchase agreement where you need one
- A referral to a valuer from our network for the lender's valuation report
- One timeline from signed agreement to the notary
More about buying with us is on the Dutch site of our estate agency in Wijchen near Nijmegen.
Which homes do we have for sale in or near Nijmegen?
This is what we have for sale in Nijmegen and nearby right now.
Nijmegen
Sold subject to conditions€349,000 k.k.
Zwanensingel 63, Wijchen
3 bedrooms99 m²Energy label B
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Leave a search profileQuestions about mortgage advice for expats Nijmegen
Does 365 Makelaars give mortgage advice?
No. We are estate agents and help you buy or sell a home. Mortgage advice comes from KFD Woonadvies, which works from the same address in Wijchen. We can introduce you, and you decide yourself whether you take their advice.
Can I get a mortgage in the Netherlands as an expat?
That depends on your personal situation, and it is a question for a mortgage adviser, not for us. We do not give rules or figures about this. You do not need Dutch nationality to buy a home, but the mortgage side is something to discuss with an adviser such as KFD Woonadvies.
Is your free home valuation enough for the bank?
No. Our home valuation ("waardebepaling") is a free indication, mainly used to set or judge an asking price. A lender usually asks for a formal valuation report ("taxatierapport") by a valuer. We do not make those, but we can refer you to a valuer in the region.
When should I talk to a mortgage adviser?
Preferably before you start viewings in Nijmegen. If you know your budget, you can bid quickly when the right house comes along. It also helps us to agree the date in the financing condition with your adviser when the purchase agreement is drawn up.
Do I have to use KFD Woonadvies?
No, that is your choice. If you already have a mortgage adviser, we work with that person on the dates in the agreement and the planning towards the notary. The practical benefit of KFD is that it sits at our address.
What else should you read about Nijmegen?
Buying agent NijmegenBuying a house in Nijmegen as an expatHome valuation NijmegenNew-build homes NijmegenAll English pages areas and guides
Photos on this page: The Waalkade with trees, benches and the river Waal, with the Benedenstad and the bridges in the background (Roger Veringmeier, CC BY-SA 4.0, via Wikimedia Commons); The Sint-Nicolaaskapel on the Valkhof, brick walls with stained glass windows (FrDr, CC BY-SA 4.0, via Wikimedia Commons).