Bundle your buying power with friends or family. Calculate your joint mortgage, compare banks, and download a Cohousing Agreement.
Friends together
€ 750,000
Joint Mortgage
€ 650,000
Bundled Income
Independent comparison of banks for friend mortgages:
From idea to key in 4 steps. From calculating mortgage to setting up a Cohousing Agreement.
Discover how much you can borrow together. Combine income and assets for a realistic indication.
Not every bank accepts multiple buyers. We only compare banks that do.
In many cities, specific rules apply to home sharing and room rentals.
Record everything in a Cohousing Agreement. Who pays what? What if someone wants to stop?
Ready to start?
Start with Step 10
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Legal documents for worry-free living together
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Joint Buying & Management Checklist
A legal Cohousing Agreement, specifically compiled for your situation.
Practical tips and information for everyone considering buying a house together
Everything you need to know about buying a house with friends or family. From financing to legal agreements.
The most important question when buying together: how do you arrange it if one of the owners wants to exit?
Not every bank provides mortgages to multiple buyers. We have found out which ones do.
Essential knowledge for your group mortgage. Last updated: June 3, 2026.
Verified by Gijs
Founder & Group Expert
Yes, in the Netherlands it is certainly possible to buy a house and take out a mortgage with multiple people. Note: not every bank allows this, and you are all jointly and severally liable for the entire mortgage debt.
No, it is not legally mandatory to have a notarial Cohousing Agreement. However, it is very strongly recommended. Here you record agreements about the distribution of costs, ownership, and what happens if one of you wants to move.
No, you are not automatically tax partners when buying with friends. You can maintain separate interest deductions and owner-occupied home forfaits for your respective shares of the home.
Source: Belastingdienst - No tax partners, but joint home ownership
In the current market, the most straightforward exit option is usually to sell the property as a whole after a certain number of years. The market for individual room buyouts is developing but still niche.
Buying allows for capital accumulation but reduces flexibility. Importantly, it's often easier for groups to buy a house together than to find a rental that allows multiple tenants, provided local municipality rules are met.
Source: ABN AMRO - Buying or Renting
Upon an exit wish, the departing buyer must be formally 'bought out'. The bank must re-verify that the remaining owners can bear the full mortgage debt based on their income alone.
Source: Homefinance - Release from joint and several liability
Our Knowledge & Sources: At SamenHypotheek, we combine expertise in group purchase structures with the latest insights into mortgage policy and legislation (updated April 2026). As the market and regulations are continuously in motion, we keep this information meticulously up to date. For a definitive plan that perfectly suits your unique situation, we work closely with specialized advisors and notaries.