Canonical Reference
Property Buying Costs Netherlands
The definitive breakdown of every cost you'll pay when purchasing property in the Netherlands. Updated with 2026 rates and exemptions.
Quick Summary: What to Budget
First-Time Buyer (18-35)
~4%
of property price
Other Buyers
~6%
of property price
With NHG
+0.6%
additional
These costs must be paid from savings. You cannot borrow these amounts as part of your mortgage.
Complete Cost Breakdown
Transfer Tax
Overdrachtsbelasting
First-time buyer (18-35, up to €525,000)Exemption
0%Other primary residence buyersOf purchase price
2%Investment propertyOf purchase price
10.4%Example: On €400,000: €0 (exempt) or €8,000 (2%)
Notary Costs
Notariskosten
Transfer deed (leveringsakte)Property transfer
€700 - €1,000Mortgage deed (hypotheekakte)Mortgage registration
€800 - €1,200Example: Total notary: €1,500 - €2,200 typical
Valuation
Taxatierapport
NWWI-validated reportRequired by bank
€500 - €750Example: Most properties: ~€600
Mortgage Advisor
Hypotheekadviseur
Advisory fee (typical)Full service
€2,000 - €3,500Complex cases (expat, self-employed)More work involved
€2,500 - €4,000Example: Average: €2,500 - €3,000
NHG Premium
NHG borgtochtprovisie
If applicable (properties ≤€450,000)Of mortgage amount
0.6%Example: On €400,000 mortgage: €2,400
Building Inspection
Bouwkundige keuring
Standard inspectionRecommended
€300 - €500Detailed technical reportOlder properties
€400 - €650Example: Average: €350 - €450
Example: €400,000 Property
First-Time Buyer (18-35)
Transfer tax€0
Notary (transfer + mortgage)€1,800
Valuation€600
Mortgage advisor€2,800
Building inspection€400
NHG (if applicable)€2,400
Total€8,000 - €10,400
Other Buyer
Transfer tax (2%)€8,000
Notary (transfer + mortgage)€1,800
Valuation€600
Mortgage advisor€2,800
Building inspection€400
NHG (if applicable)€2,400
Total€16,000 - €18,400
Want to know exactly what you'll pay? Use our interactive buyer costs calculator.
About This Reference Page
Sources & Verification
This page is based on official Dutch legislation, AFM guidelines, Nibud calculations, and verified banking policies. We cross-reference multiple sources and consult with practicing advisors.
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