Transfer and mortgage: security for your property transfer
You’ve purchased a new home in The Netherlands or are about to secure a mortgage. Congratulations on this milestone! Arranging the transfer and mortgage requires precision, clear agreements and tailored legal solutions. At Westvaer, we ensure that your transfer and mortgage deed perfectly match your situation. We guide you step by step, so you can become the proud owner of your home with peace of mind and have your financial matters in order.

What do transfer and mortgage involve?
When you purchase a property, you only become the official owner after the transfer has taken place. This occurs by signing a deed of transfer at the notary and registering the deed with the Land Registry. The deed of transfer makes the property transfer legally binding. At the same time, it is often necessary to secure a mortgage. This requires a mortgage deed, which records that the property serves as collateral for the loan.
Both deeds are essential documents in the home-buying process. As specialized notaries in real estate law, we ensure these documents are meticulously prepared and comply with all legal requirements.
the process: step by step
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Preparation and verification
Before the deed of transfer and the mortgage deed can be signed, we conduct a thorough check. We review the purchase agreement, verify whether the seller is authorized to sell the property and check for any liens or mortgages on the property. We also ensure that all agreements from the purchase contract are incorporated into the deed of transfer.
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Drafting the deed of transfer and mortgage deed
The deed of transfer includes all details about the property, the purchase price and the transfer. The mortgage deed outlines the terms of your loan and establishes the property as collateral for the mortgage lender. We ensure that both documents are legally accurate and tailored to your situation.
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Signing
The signing of the deeds takes place at the notary's office. Together with you, the seller and (if necessary) your mortgage lender, we ensure everything proceeds correctly. After signing, the deed of transfer is registered with the Land Registry. From that moment, you are the official owner of the property.
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Completion
We continue to assist you after the signing. If you have questions about additional costs, such as transfer tax or if you want to learn more about refinancing your mortgage, we are here to provide advice.
Frequently asked questions about transfer and mortgage
Here we answer some frequently asked questions:
What is the difference between the purchase agreement and the deed of transfer?
The purchase agreement is the contract in which you and the seller agree on the terms of the property purchase, such as the purchase price, delivery date and any conditions. The deed of transfer is the document that officially transfers ownership of the property to you. You only become the owner after signing the deed of transfer at the notary's office and its registration with the Land Registry.
Why is the mortgage deed necessary?
The mortgage deed provides your lender with security by establishing the property as collateral for the loan. Without a mortgage deed, you cannot secure a mortgage or finance the property.
What happens if issues are found during the property verification?
At Westvaer, we conduct a thorough legal review of the property. If we find special circumstances, such as a lien or a missing signature, we will discuss them with you immediately and work together to find a solution. Our goal is to eliminate any risks in advance so you don’t face unexpected surprises.
Do you have additional questions? Our experts are ready to assist you.

Why Westvaer?
At Westvaer, we combine legal expertise with personal guidance. We understand that purchasing a home is a significant event for you. That’s why we take the time to clearly explain what you can expect and what to keep in mind. You can count on:
- reliability: we ensure all documents are legally sound;
- accessibility: complex legal terms? Not with us. We simplify them wherever possible;
- proactive advice: if we spot a risk or an opportunity for improvement, we’ll inform you immediately;
- comprehensive services: in addition to transfer and mortgage deeds, we offer supplementary services such as drafting cohabitation agreements, wills or arranging a second mortgage.
More than just a deed
Your life doesn’t stop after purchasing a home. Perhaps you’re already thinking about a renovation, refinancing your mortgage or drafting a will. Westvaer is here to support you further. Together with our colleagues specializing in family law and corporate law, we offer a comprehensive package of legal services. This way, you can be confident that everything is taken care of, both now and in the future.
Contact Westvaer
Do you have questions about the transfer of your property or the mortgage deed? Or would you like to schedule an appointment directly? At Westvaer, we are here to assist you.