Costs for Expats to buy a Dutch house

Costs of Buying a House

Besides the price of the house, these are the costs that apply when you’re buying a house in the Netherlands. Normally you will have to pay them by yourself as they can’t be financed, although sometimes we can help you lower them.


Transfer Tax

When you buy a home, you’ll pay 2% of the property value to the government. The only times this charge doesn’t apply are when you’re purchasing a newly built property or when you’re buying a property from a seller who has bought it less than 6 months previously.

From January 1, 2024, buyers between the age of 18 to 35 don’t have to pay transfer tax for a house of up to € 510,000.


Civil-Law Notary*

You’ll need a notary to legally transfer the property to your name and register it at the land registry. Costs for this will vary from 900 euros to as much as 2,000 euros, depending on the notary.



Every bank or lender requires an official valuation report if you’re getting a mortgage. This will cost you €1250 euro, depending on the size of the house (the bigger, the more work) and of course the valuator you choose.


Real Estate Agent (if applicable)

You may wish to hire a real estate agent for help finding a house and negotiating the price. Some agents charge a fixed fee that’s usually between 3,000 and 5,000 euros. Others charge between 0.5% and 1.5% of the property value. Some charge both.


National Mortgage Guarantee (NHG)* (if applicable)

NHG is a protection against residual debt if you can’t pay your mortgage due to unemployment, divorce or the inability to work. It will cost you 0.6% of the mortgage amount, but you’ll earn your money back quickly because lenders offer much lower interest rates if you make use of this protection. NHG is only available for mortgages that are less than 435,000 euros.


Bank Guarantee (if applicable)

You’ll need to provide the seller with a 10% deposit once you’ve signed the purchase agreement. If you can’t provide a 10% deposit, you’ll need to get a bank guarantee for that amount. You can expect the bank guarantee to cost you about 1% of the amount of the guarantee.


Structural Survey (if applicable)

A structural survey to inspect your home will cost between 250 and 900 euros, depending on the size of the building.


* These costs are tax deductible, which means they can be lowered with effectively 38% or 49% depending on the amount of your gross income.

Our Costs

Why should I pay to work with Expat Mortgage Platform?

It’s important to know how much our help costs, which is why we tell you about our costs beforehand. But it’s even more important to understand how you’ll profit from our help. Good mortgage advice can actually help you save; a wrong decision could cost you a significant amount of money. Expat Mortgage Platform is here to make sure you don’t get overcharged or spend money you don’t need to.


What can Expat Mortgage Platform do for me?

We don’t just take care of your mortgage; we arrange everything for you. We go the extra mile to make it possible to buy your dream house, reduce your out-of-pocket costs and make sure you can move in quickly. But above all, we ensure that you get the best mortgage for the lowest rates!

First meeting(s) : Free of charge!
Mortgage : From € 2995, –

Additional costs:

Self-employed customer, Organizing your mortgage/housing costs insurance, Organizing your medical report, Checking your purchase agreement, Complex situations, Loss-financing, divorces, refinancing, fiscal issues, subsidies, existing insurances, etc. : Custom price

All costs will be communicated upfront so you don’t encounter any surprises. Once you sign our agreement, we’ll start working for you. Until then, all talks are free.


* All costs are tax deductible and no VAT is applicable.

Best Mortgage advice for Expats

The Expat Mortgage Platform experts will help you find the perfect Mortgage against the best possible rate! Calculate your Maximum Expat Mortgage online or make a free appointment with one of our mortgage advisors. Welcome!