Buyers Costs Calculator
Calculate all the costs involved in purchasing a property in the Netherlands. Get a complete overview of transfer tax, notary fees, and additional expenses.
Is this your first property purchase or have you not used the transfer tax exemption before?
Are you under 35 years old?
Total Buyers Costs
€ 13.500(3.4%)
Deposit or Bank Guarantee
When signing the purchase agreement, you must either pay a deposit of 10% of the purchase price (€ 40.000) or arrange a bank guarantee.
Transfer tax is a tax paid when purchasing a property. First-time buyers under 35 are exempt up to €555,000. For others, the rate is 2% of the purchase price.
The notary prepares the purchase deed and mortgage deed and handles the transfer. These costs include preparing both deeds and conducting necessary research.
A mortgage advisor helps you choose the right mortgage and handles the application. This amount includes advice, mediation, and mortgage application.
A valuation report is usually required for the mortgage application. A certified appraiser determines the market value and assesses the property's condition.
Check Calcasa.nl for potentially cheaper valuation reportsA building inspection examines the technical condition of the property. This provides insight into potential defects and future maintenance costs.
A bank guarantee is an alternative to the deposit. This guarantee usually costs 1% of the deposit amount and provides security for the seller.
A buying agent assists you in purchasing a property. The costs are usually 1-2% of the purchase price with a maximum of €5,000.
Please note:
This overview provides an indication of the costs involved in purchasing a property. Actual costs may vary depending on your personal situation and the service providers you choose. We recommend requesting quotes for complete certainty.
About this calculation
Transfer tax: 2% of the purchase price, or 0% with the first-time buyer exemption (age 18–34, price ≤ €555,000, own occupancy, once per lifetime). Other items (notary, mortgage advice, valuation, structural survey, bank guarantee) are 2026 guide prices.
Sources: Belastingdienst – overdrachtsbelasting · Rijksoverheid – startersvrijstelling
Last checked: July 2026 · Read how we calculate →
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