Buying a home in Amsterdam or its surroundings is exciting. However, it can also be challenging, especially in 2025. The market is competitive, prices are rising, and securing your dream home requires preparation, patience, and a clear strategy. These practical tips will help you confidently navigate the process and stay grounded along the way.

1. Start with Your Numbers

Before you start searching for properties, it’s essential to know your financial boundaries. In the Netherlands, transaction costs typically range from 4-6% of the purchase price. These costs include notary fees and taxes, and you’ll need your own money to cover them.

If you end up overbidding and the home’s valuation is lower than the purchase price, you’ll need to use your savings to cover the gap. This is something every buyer should prepare for to avoid surprises later.

To avoid unnecessary stress, consult a mortgage advisor early on. They can help you calculate your borrowing capacity and ensure your budget is realistic. Knowing exactly what you can afford puts you in a stronger position when the right home comes along.

2. Work with Trusted Agents to Buy a Home in Amsterdam 2025

The Amsterdam market is complex. Ground leases, older foundations, and legal intricacies can all complicate the buying process. That’s where an experienced purchase agent comes in—they help you avoid costly mistakes and keep the process smooth.

It’s crucial to have a purchasing agent with the right network to get deals done. Demand far exceeds supply, and agents often prefer working with trusted colleagues who bring reliable clients. A certified purchase agent provides expertise and personalized attention, making sure your needs come first and guiding you every step of the way.

3. Focus on Energy Efficiency in Amsterdam 2025

In 2025, energy efficiency is more important than ever. Homes with an A or B energy label are not only more sustainable but could also qualify you for a mortgage rate deduction.

However, finding high-energy-label properties in Amsterdam’s older neighbourhoods can be challenging. If you’re considering a historic property, like a Rijksmonument, keep in mind that energy labels are not mandatory for these homes. If energy efficiency matters to you, think about budgeting for renovations or focusing on areas with newer housing stock. These steps can make a big difference in long-term savings.

4. How to Stay Realistic When Buying a Home in Amsterdam 2025

Buying a home in Amsterdam often requires compromise. With limited supply and high demand, it’s unlikely you’ll find a home that checks every single box on your wish list.

Don’t be discouraged if you lose out on a property. It’s normal to feel disappointed, but it doesn’t mean failure. Use the experience as an opportunity to better understand the market and adjust your approach.

Focus on what truly matters—like location and layout—and be flexible on less essential features. Staying realistic will help you avoid frustration and keep moving forward.

5. Prepare for Bidding Wars (and Know When to Stop)

Overbidding is still common in 2025, but buyers are approaching it more cautiously. It’s important to rely on professional advice to determine a home’s true value and avoid making emotional decisions.

Set a maximum bid limit before entering negotiations, and stick to it. Having a clear plan will help you stay calm and focused, even in competitive situations.

Here at How to Buy a House

At How to Buy a House, we have one simple goal: to share helpful information about homebuying and connect you with the best real estate agents in the field. While we focus on the Randstad region, we also have a vast network of professionals working throughout the Netherlands.

If you’re looking for an agent, the best advice we can give you is to team up with a local expert. Their network and knowledge are key to getting a deal done in today’s competitive market.

Let’s Help You Find Your Dream Home in Amsterdam 2025

Buying a home is about more than just closing a deal—it’s about creating a future. With patience, realistic expectations, and the right guidance, your dream home is within reach. Ready to start buying a home in Amsterdam in 2025? Contact us today via monique@howtobuya.house