Calculate your closing costs
When buying a house in the Netherlands, there are more costs involved than just the purchase price. Use this calculator to estimate how much savings you need.
Which fees do you need to pay when buying a home in the Netherlands?
It is highly recommended to hire and work with a Dutch real estate agent (‘makelaar’), as they can improve your chances in the competitive housing market, with fees either as a fixed rate of €3,500–€5,000 or a commission of 0.75%–1.25% of the purchase price.
A technical building inspection (bouwkundige keuring) typically costs between €500 and €1,300, depending on the size and type of the property. While it is not legally required, it is highly recommended to have one to avoid unexpected structural problems in the future.
You need to pay notary fees to sign the mortgage and transfer deeds, which typically range from €1,500 to €3,000, depending on the notary and location.
When you sign a purchase agreement, the seller is not fully protected until your mortgage is approved. To secure the agreement, you are required to provide a bank guarantee (deposit), which is usually 10% of the purchase price.
Mortgage advice can cost between €1,500 and €4,500, depending on the mortgage advisor, your situation, and the complexity of your mortgage, while at OHAO we offer a competitive fee starting at €2,495.
If you are between 18 and 35 years old and buy your first home costing up to €525,000 in 2025, you are exempt from paying the standard 2% transfer tax. If you are older than 35 or the purchase price exceeds €525,000, you must pay 2% of the purchase price.
A valuation report (taxatierapport) is required by most mortgage lenders to approve your mortgage or NHG loan and typically cost between €500 and €1,100, depending on location, property type.
If you qualify for an NHG mortgage, you need to pay a one-time fee of 0.4% of the total mortgage amount.
Get a full mortgage and closing cost calculation from the OHAO team
We start with a free consultation, where our mortgage advisors ask for information about your income, holiday pay, and bonuses to provide an accurate estimate of your maximum mortgage.
Each client receives access to our online portal, where they can easily view their personalized report detailing their maximum mortgage, monthly payments, closing costs, tax-deductible fees, and more.
With this insight, you are fully prepared to search for your ideal home and place competitive bids. If required, our team can also issue a bidding certificate, giving you added strength and credibility as a buyer.
- Competitive advisory fees from €2,495
- Expat mortage experts
- Clear, fast, and personal guidance
Reviews from our happy clients
We focus on delivering great results — and our clients’ feedback tells the rest of the story.