Additional costs when buying a home

Complete breakdown of the cost stack on top of the asking price.

Cost stack overview

Beyond the purchase price, a buyer typically pays 4-6% in additional costs. These cover transfer tax, notary, valuation and adviser fees.

The buyer's costs cannot be financed by the mortgage and must come from savings. Set aside €15,000-€25,000 for a typical €300,000-€500,000 home.

Notary fees for the mortgage deed, valuation cost (when required by lender) and the adviser fee are deductible. Transfer tax is not.

As a first-time buyer there's a lot coming your way. These 10 tips help you prepare optimally for buying your first home.

A clear overview of the mortgage application process for buyers in the Dutch market.

A clear breakdown of buyer-borne costs alongside the asking price for Dutch homes.

Overview of typical notary fees.

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