Offer accepted.
Now the Dutch part begins.
Your mortgage adviser handles the mortgage. Livio keeps everything around it together: what comes next, what needs your attention and what your renovation plans may cost.
Noa thinks ahead on WhatsApp and flags things before you knew you needed to ask.
Your koopovereenkomst. Know the dates in it before you sign.
Also to arrange: choose a notaris‘The draft koopovereenkomst is in. I’ve added its dates to your plan: cooling-off period, financing condition and transfer. Shall I list questions for your makelaar before Tuesday?’
€1,450 still available
2%Kitchen cashback with participating Livio partnersThree questions after your offer.
Livio answers them.
Livio answers them for your situation, in plain English, before they become urgent.
- 01
What do I arrange now?
Know what needs your attention before a deadline passes.
Your planSee your planOffer accepted- Book the bouwkundige keuringNow
- Choose a notaris
- 02
What comes next?
Know what’s coming before your next appointment, including questions you may not know to ask.
Meet Noa
Noa thinks ahead‘The bank will want a taxateur (valuer) to value the house. Do you already know who is booking it?’ - 03
What will my renovation cost?
Get a realistic estimate before requesting quotes, including costs you might otherwise miss.
Your renovation budgetSee the renovation budgetEstimated€20,650Still to allocate: €1,450, contingency included.
Examples with fictional data
Buying here is different
when you didn’t grow up here.
Dutch buyers often know the system through experience and the people around them. You don’t have to.
- Deadlines you don’t want to missThe end dates in your contract, in your plan.
- Dutch terms you need to recogniseExplained in plain English.
- Questions you didn’t know to askNoa raises them before your appointments.
Livio puts them into your situation, before they become urgent.
- bedenktijdcooling-off period
- notariscivil-law notary
- taxatievaluation
- ontbindende voorwaardenconditions to cancel
- overdrachtsbelastingtransfer tax
- bouwkundige keuringbuilding inspection
- VvEowners’ association
From scattered lists
to one overview.
Agreements in WhatsApp, tasks in your notes, amounts in a spreadsheet, and half of it in Dutch. Livio brings your tasks, plan and renovation budget together.
Before Livio
With Livio
Translated example with fictional data. Click a tab to look around.
Know what your plans will roughly cost.
See a cost estimate per item before you ask for quotes. You know how much room you have, and you’re less likely to be surprised.
FitsContingency already included.
‘With a kitchen island you’re €250 short. Shall we see where you could shift, for example the floor or the painting?’
Kitchen€9,500
Floor€4,500
Painting€2,000
Moving€1,200
Contingency€2,000
Explained before it happens, not after.
Noa tells you what to look at before you knew you needed to ask. She knows your plan, messages you before a step comes up and helps you prepare questions for your notaris, adviser or contractor. You can also ask her anything, in the evening too.
Noa’s replies are written with the help of AI. When it’s about money, contracts or anything unclear, a Livio colleague takes over. For personal financial, legal or tax advice, Noa points you to the professional who handles it.
From your planSign the purchase agreement Tue 3 Nov
Noa starts the conversationYour draft koopovereenkomst is in. I’ve added its dates to your plan.
Before you sign on Tuesday, I’d check three things: the end date of your financing condition, whether a building inspection is a condition, and what stays in the house.
Good, thanks. And when does the cooling-off period start?
The day after you receive the signed agreement, and it lasts three days. Your contract shows the exact dates.
Shall I put the three checks in a list for your makelaar?
Example conversation with Noa. Noa is AI-supported, so what she writes differs per conversation.
Know what you want, what it may cost
and what to ask.
Add your wishes, see which shops match and go into the conversation prepared. You choose who you work with.
Noa checks them against your budget, privately.
Your kitchen profileIn a fair order.
Livio partner nearby that matches your price range. Staff can help you in English.
Shop near you that matches your price range.
Not a Livio partner. Contact the shop yourself.
First how well a shop fits your wishes, then reviews (from 25 reviews), then distance. Being a partner earns no points and never moves a shop up. Only when two shops score exactly the same is the Livio partner shown first, because there Noa can book your appointment.
You send the message yourself.
Noa · your message is readyMain wish: a kitchen island
Style: modern · Fitting: after key handover
Example with fictional data and shops. It works the same way for bathrooms.
2% cashback
on your kitchen.
At participating Livio partners. You always choose who you work with.
2% of the kitchen invoice is paid back to your own bank account. Real money, not store credit or points.
- Cashback never buys a higher place. Being a partner earns no points in your shop list.
- Your budget stays private. Partners see your wishes, never what you can spend.
Know where you stand.
About Noa, partners, the pilot and your data. Read more in our privacy statement and the pilot terms (in Dutch).
Do I need to speak Dutch?
No. Livio and Noa work fully in English. We keep the Dutch terms you’ll see in your contract, such as bedenktijd, notaris and taxatie, and explain each one, because you’ll need to recognise them.
Does Livio replace my mortgage adviser?
No. Your mortgage adviser handles your financing and your notaris handles the legal transfer. Livio organises everything around them: deadlines, documents, insurance and your renovation. For mortgage advice, Noa points you to your adviser.
Is it free? How does Livio make money?
During the pilot, Livio is free. When you choose to work with a Livio partner, that partner pays Livio a fee. Partners may not add that fee to your price. If you already have your own contractor or kitchen supplier, everything else works the same.
How are partners selected?
First by how well they fit your wishes, then by reviews, then by distance. Being a partner earns no points. Only when two shops score exactly the same is the Livio partner shown first, because there Noa can arrange your appointment.
I’m not an EU citizen. Does this work for me?
Yes. If you tell us you’re new in the Netherlands or a non-EU national, your path adds the relevant steps, such as BSN, DigiD, your residence permit documents and the extra documents lenders may ask for. For immigration or tax advice we point you to a specialist.
What happens with my data?
Noa’s replies are drafted with OpenAI. Our privacy statement explains which data we process for this. When it’s about money, contracts or anything unclear, a Livio colleague takes over the conversation. Livio does not sell your data. Partners receive your wishes, not your budget. You can ask us to delete your account at any time.
What does the pilot ask of me?
One 30-minute call at the end of your journey, in English, about what helped and what didn’t. Along the way Noa sometimes asks a short question on WhatsApp. Answer when it suits you.
More questions about buying in the Netherlands
Dutch terms you will meet
- bedenktijd
- Cooling-off period. Three days after you receive the signed purchase agreement, in which you can cancel without giving a reason.
- notaris
- Civil-law notary. Draws up the deed and transfers ownership. Independent, and not your adviser in the purchase.
- taxatie
- Valuation. An official valuation of the house, usually needed for your mortgage.
- ontbindende voorwaarden
- Conditions to cancel. Agreed reasons to cancel, for example if financing fails. Each has an end date in your contract.
- overdrachtsbelasting
- Transfer tax. A tax on buying a home. The rate depends on your situation. Your advisor or notaris can tell you what applies.
- bouwkundige keuring
- Building inspection. An inspection of the condition of the house. Not required, but often useful before your conditions end.
- VvE
- Owners’ association. For apartments: the owners share costs for the building and its maintenance.
Short explanations to help you recognise each term. Your contract and your notary are leading.
Do I need a BSN and DigiD before I start?
You can start without them. If you’re new in the Netherlands, your plan adds registering with your municipality, which gives you a BSN (citizen service number), and applying for DigiD. Your adviser and lender will ask for your BSN.
Which extra documents might lenders ask for?
Such as an employer statement of intent, a foreign credit report or certified translations. What applies depends on your situation and your adviser.
Do I need an interpreter at the notary?
If you don’t understand Dutch well enough, the notary may ask for a sworn interpreter. Your plan can add this step.
Does Livio help with the 30% ruling?
Livio flags topics such as the 30% ruling and mortgage interest relief, so you can raise them with your adviser in time. Whether and how they apply to you is for your adviser or tax specialist to decide.
Free for a limited time
A clearer view of what to arrange.
More attention for your new home.
Create an account for your plan and Noa on WhatsApp.
