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Buying a house: Taxes, costs & fees

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Buying a house in the Netherlands is an important financial decision, especially for expats. There are many things to take into account in order to guarantee that it will be a smart investment.

Taxes, fees and costs for future homeowners

Here is a quick overview of the taxes, costs and fees involved when buying a house in the Netherlands:

Transfer tax (Overdrachtsbelasting)

  • 2% of the purchase price
  • Not negotiable

Pre-sale agreement deposit (Koopovereenkomst waarborgsom)

  • 10% (plus BTW) of the purchase price
  • Rarely negotiable

Transfer contract (De leveringsakte)

  • 0,3% (plus BTW) of the purchase price
  • Negotiable

Mortgage arrangement cost (Hypotheekadvies)

  • 1% of the mortgage or
  • 1,2% (plus BTW) of the purchase price

Mortgage contract (Hypotheekakte)

  • 0,15% (plus BTW) of the purchase price
  • Tax deductible

Estate agent fee (Makelaarscourtage)

  • 2% (plus BTW) of the purchase price
  • If you asked the real estate agent to find a house for you

Valuation (Taxatierapport)

  • 0,2% (plus BTW) of the purchase price
  • Tax deductible and negotiable

Deemed rental value (Eigenwoningforfait)

  • From 0% to 0,8% of the WOZ value (determined by the government)

Additional Costs (Kosten Koper)

  • All the additional costs that the homebuyer has to pay when purchasing a property (e.g. transfer tax)

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).
  • The 30% ruling may raise your chances of getting an appealing mortgage deal.

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