🇳🇱 the Netherlands
Showing the Netherlands rates.
🇳🇱 Dutch Property Cost Calculator
Every buying cost, using 2026 rates
Property details
Living in the property yourself gives the 2% rate. Buy-to-let and holiday homes pay the investor rate.
A one-off exemption from transfer tax for buyers under 35 who have not used it before, up to a value ceiling indexed each year (€555,000 for 2026).
The national mortgage guarantee costs a one-off premium and usually buys a lower interest rate.
Strongly advised, especially where foundations may be an issue.
Cost breakdown
Budget roughly 4% to 6% of the price as "kosten koper", and remember that only part of it is mortgageable.
Taxes and duties
You must declare to the notary that you will live in the property yourself.
Unavoidable costs
Strongly recommended
In parts of the country, foundation problems run to six figures. Ask for a targeted foundation check where the house sits on timber piles.
Optional extras
Common in a tight market, where bids are made blind and quickly.
Cash you need on the day
Price €300,000 + costs €12,250 = €312,250
Estimates, not quotes
Tax rates are 2026 figures for the Netherlands; professional fees are typical market ranges and vary by property and provider. Reliefs for first-time buyers, families and younger buyers exist in most of these systems and are not applied here. Always get written quotes and check the current rate with the authority before you commit.
Your estimate: €12,250 in buying costs in the Netherlands. A property lawyer typically saves buyers thousands by catching overpriced fees, unfair clauses and avoidable taxes before you sign. Free quote →
What this is based on
2026 rates · Belastingdienst, overdrachtsbelasting · Rijksoverheid, starter exemption
Rules and rates change. This tool gives you an informed starting point and the legal references to check, it is not legal or tax advice, and it does not replace a professional where money or deadlines are at stake.
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