A home in 3 months. Without touching your savings.

Our data-driven approach wins 8 out of 10 bids.

  • Smarter bidding, not higher
  • Buy without savings
  • No key, no fee
Do I qualify?The check takes 60 seconds

Excellent: 4.7 out of 5 onTrustpilot

Common doubts

The doubts we hear most from buyers

I don’t have enough savings to buy.

Saving is a race where the finish line keeps moving. You put something aside each month, next to a rent that takes most of your income.

Meanwhile homes get more expensive every year. The longer you save, the less house you get for it.

The good news: you don’t need savings to buy. If your income carries the mortgage, the buying costs can be financed within it. Which moves your timeline from years to months.

I have no idea what to offer and I’m afraid of overpaying.

That fear is justified. One offer that is too high costs you tens of thousands of euros, and you carry it in your mortgage for thirty years.

Winning a bid is not hard. Winning without overpaying is. That is why we first calculate what the property is actually worth, across 12,000 data points.

Then we build an offer the seller finds hard to refuse. Price is only half of what they weigh. The other half is whether the sale will actually close, and that is the half we focus on most. It is why we win 8 out of 10 bids, often against higher offers.

I’m not sure a buying agent is worth the money.

That is a fair question. But do the maths. Overpaying once easily costs tens of thousands of euros. Buying a year later costs more still (Dutch house prices rise about 6% a year, roughly €21,000 on average).*

We help you bid less and buy sooner, often on the first or second offer.

And you only pay us once you have the keys. No home within 3 months? It costs you nothing, and you get your start fee back too.

* CBS 2021-2026

Colin Versteeg, head of buying at Roofmatch
Colin VersteegBuying agent
The check

Three things decide whether you buy a home this year

  1. Your income

    Your income needs to be high enough to carry the mortgage, which in this market starts at €5,000 gross per month. Savings are optional.

  2. The property value

    We calculate the real property value across 12,000 data points. So we can bid with precision, right up to the value and not one euro past it.

  3. The terms

    The terms are where bids are won. We give the seller certainty without handing you the risk.

Do I qualify?In 60 seconds you know whether we can help you buy.
The difference

This is what makes us different

How we win 8 out of 10 bids without overpaying.

A traditional buying agent

  • Tries to win by bidding higher
  • Values the house on experience and gut feeling
  • Assumes you pay the buying costs out of your own pocket
  • Leaves you scrolling property sites endlessly
  • Charges a percentage of the purchase price, so earns more when you pay more
  • Asks for exclusivity, so leaving becomes expensive and complicated

Roofmatch

  • Wins by building in more certainty
  • Calculates the real value across 12,000 data points
  • Helps you finance the buying costs within your mortgage
  • Sends you listings up to 36 hours earlier, so you never miss a viewing
  • Works on a fixed fee, so our advice is always in your interest
  • Gives you the freedom to stop whenever you want, no conditions
The process

One dedicated agent, from first call to key handover

  • Colin, buying agent at Roofmatch
  • Kim, housing support at Roofmatch
  • Bas, buying agent at Roofmatch

Colin, Kim & Basthe team behind your purchase

  1. We map out your chances

    We go through your income, your wishes and what this market will actually give you for it. Costs nothing, commits you to nothing.

  2. You see new listings first

    Our search bots scan 5,000+ agent websites, day and night. You see new listings up to 36 hours before they hit Funda, the Dutch listings site, so you never miss a viewing.

  3. You view, we do the maths

    While you walk through the property, we work out what it is really worth. If you want it, we talk through the offer and the terms that give you the best shot at it.

  4. We bid and negotiate

    We put the offer on the table and negotiate the terms on your behalf. Usually it lands on the first or second bid. If not, we keep going for as long as it takes.

  5. You leave the paperwork to us

    Purchase agreement, zoning plan, VvE documents, valuation, structural survey, notary. Dozens of pages of Dutch legal text, and one missed clause can cost you. We read all of it and tell you in English what you are agreeing to.

  6. Done. The keys

    You sign at the notary and walk out with the keys. That is the moment our invoice goes out, and not a day earlier.

Honest reviews

Buyers love Roofmatch

Excellent: 4.7 out of 5 onTrustpilot

  • 5 out of 5 stars

    They do the work for you

    The team is transparent, reliable and takes most of the work off your hands. It helped me combine my job with looking for a home. I have already recommended this service to many colleagues and friends.

    Ved DubhashiDelft, February 2, 2025
  • 5 out of 5 stars

    It took only 2 months

    We hoped to find a home within 4 months. It took 2. We are moving into our dream house soon and could not be happier.

    Ewout & SelinaRotterdam, April 21, 2024
  • 5 out of 5 stars

    A lifesaver for busy house hunters

    They helped me enormously with my house hunt. Definitely recommended if you want to find a home without the stress.

    Phuong LeAmsterdam, June 14, 2025
  • 5 out of 5 stars

    I was sceptical at first, but…

    I was sceptical, especially given the busy housing market in Almere. But it worked. Within six weeks we landed a home. Very happy with it and definitely recommended.

    Wessel van EgmondAlmere, May 1, 2024
  • 5 out of 5 stars

    It is worth it

    You did exactly what was promised. I found a suitable apartment within a month. I would recommend you to anyone looking for a home.

    Aedan O'SheaApril 3, 2024
  • 5 out of 5 stars

    Great service for finding your new home!

    It saves a lot of work and time having every interesting home found for you. Definitely recommended if you are looking for a new house.

    Floor SmitsRotterdam, May 22, 2024
  • 5 out of 5 stars

    A beautiful house within 1 month…

    Their service put me in touch with the right people straight away. Found a beautiful house within one month. Very satisfied.

    Juancito van LeeuwenRijswijk, May 4, 2024
What we stand for

Our 3 principles

  • No key, no fee

    We charge only on success. No home within 3 months? Then you pay us nothing.

  • Fixed price

    One clear, fixed fee, whatever the house costs. We earn nothing extra when you pay more. Fairer that way.

  • No exclusivity

    We believe an agent should earn clients, not tie them down. With us you are committed to nothing.

The team

The team behind your winning bid

  • Colin
    ColinBuying agent
  • Bas
    BasBuying agent
  • Kim
    KimHousing support
  • Tom
    TomHead of Tech
  • Stef
    StefManaging director
FAQ

Frequently asked questions

You win 8 out of 10 bids. Doesn’t that just mean you overpay?

No, and that is exactly the point. An offer has five components and price is only one of them. The other four answer a single question: how likely is it that this sale actually closes? We don’t win by bidding as high as possible, but by going for maximum certainty for the seller. Without loading extra risk onto you.

Can I really buy a home without savings?

Yes, under two conditions: enough income to carry the mortgage, and a smart bidding strategy. For income, the floor in the current market sits at around €5,000 gross per month. Buying together? Then your joint income counts.

Does my nationality or residence status matter?

For a Dutch mortgage, what counts is your income and the purpose of your stay, not your passport. EU nationals and holders of most residence permits can get a mortgage. An independent mortgage adviser works this out with you in English, and we introduce you to one we trust.

How do you determine what a property is worth?

Good to know: the asking price is a marketing number. That’s why we analyse the property, partly using AI, across more than 12,000 data points. The real value is based on things like the condition and history of the property, recent sales of comparable homes, and how the market is moving.

How much does your service cost?

A traditional Dutch agent charges an average of 1.38% of the purchase price, which means they earn more the more you pay. Exactly the wrong incentive for someone advising you on your offer.

We work on one fixed fee. So you know our bidding advice is always in your interest. On success you pay €3,599. The €299 start fee is deducted from the success fee. Decide to stop? Then you get the start fee back and pay nothing.

I’m in a hurry to buy. Can you help me?

Yes. It is what we are built for. Where many buyers lose months on offers that fall just short, we usually land it on the first or second bid. That is why we dare to guarantee a home within 3 months.

Which regions do you cover?

All of the Netherlands.

Why should I choose Roofmatch?

  1. We win 8 out of 10 bids. For most buyers it is months of bidding and losing. We get you over the line faster, usually on the first or second offer.
  2. You don’t need savings. We can have the ‘kosten koper’ (the buyer’s costs) financed within your mortgage. So you don’t have to spend years saving first while housing prices keep climbing.
  3. You don’t overpay. We first calculate what the property is really worth. That is the ceiling. We then win the bid on the terms, not on the price.
  4. We work on fixed fees. An agent charging a percentage earns more as the purchase price goes up. With us the fee is unrelated to what you pay for the property. So you know our advice is fully in your interest.
  5. No key, no fee. If we don’t find a home within 3 months, it doesn’t cost you a cent. You even get your start fee back. You are never locked in and can stop whenever you want.
  6. Everything in English. From the first call to the notary. Every Dutch document that crosses your desk, we read first and explain in English before you sign.

What happens if I don’t have a home after 3 months?

Your call. Stop and you pay nothing, start fee included. Continue and you keep the same agent, at the same price, until you have the keys. The extra hours are ours.

Do you ask for exclusivity?

No. Nothing stops you from looking elsewhere or walking away. We believe an agent should earn your business, not lock it in.

Get started

Check whether you qualify

Take the 60-second check

No home within 3 months? You pay nothing.