Closing costs buying a house in the Netherlands

Closing costs buying a house in the Netherlands

The following taxes and closings cost buying a house you will experience by buying a house in the Netherlands.


Transfer tax (Overdrachtsbelasting)

The standard rate is 2% based on the transaction price, with an exemption for first-time buyers.


Purchase agreement (Koopovereenkomst)

  • The real estate broker of the seller will create this pre-sale agreement without any charge for the buyer.
  • In the Amsterdam market, the notary will make this agreement and will charge the buyer. This is negotiable.


Deed of delivery (Akte van levering)

  • This is the formal contract which the notary will make. The average rate is about € 700 including VAT.
  • Negotiable, you can compare these rates.

Mortgage arranging cost (advieskosten)

  • Rates start at € 1.750 till € 5.500.
  • In most cases, there is no VAT to pay.

Mortgage contract (Hypotheekakte)

  • The notary is obliged to handle this contract. The average rate is also € 600 including VAT.
  • Tax deductible in most situations.


The costs of an interpreter start at € 300 including VAT.

Estate agent fee (Makelaarscourtage)

  • 1,75% (plus BTW) of the purchase price.
  • The seller pays the estate agent. If you use an estate agent/realtor to help you buy a house (aankoopmakelaar) rates start at € 2.750.


Appraisal (Taxatierapport)

  • Prices start at € 500 including VAT.
  • In case you have a mortgage with NHG you need a so-called NWWI validation it will cost additional €75.
  • Tax-deductible and negotiable.


Architectural examination / home inspection (bouwkundig keuringsrapport)

  • Prices start at € 420 including VAT.
  • This document is not obliged but gives you information about the technical state of the house you want to buy.


Tax implications

  • Mortgage interest payments are tax deductible as long as the property/house is to be used as the main residence for a maximum of 30 years.
  • Tax deductions automatically disappear if you decide to leave the country but continue to own the property. As a non-resident taxpayer, you will not enjoy tax-deductible mortgage interest payments so make sure the rent you receive covers both costs and interest.
  • Increases in the value of the house are tax-free as long as it is used as the main residence (no capital gains tax).



Tell us your story!

More information about our services? For example we can help you take out a mortgage. Advice by independent mortgage advisors.


Hassle free all the way.
We deal with banks on your behalf, all the way through until 100% completion.
Expert advice you can trust.
Best services are guaranteed for you.
Response within 24 hours
Often sooner.


Reactie binnen 24 uur
Meestal al eerder.
Deskundig en eerlijk advies.
Op basis van vaste prijzen en no cure no pay. Hoge klantwaardering.
Uw gegevens 100% veilig.
Wij respecteren uw privacy.

Meest recente artikelen

Contact opnemen

0 reacties