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.