Buying costs calculator for the Netherlands (2026)
Enter the price and your mortgage and see roughly what you pay in transfer tax, NHG, notary, valuation and advice. Free, and nothing is stored.
Team HubSnap · Updated 28 October 2026 · 2 min read
Calculate your buying costs
Will you live in it yourself?
Under 35 and never used the starter exemption?
Estimated buying costs
€5,550 – €8,950
- Transfer tax0%: starter exemption
- €0
- NHG fee (optional)0.4% of the mortgage
- €1,600
- NotaryTransfer deed and mortgage deed · indication
- €1,000 – €2,000
- Valuation reportindication
- €500 – €900
- Mortgage advice and arrangementindication
- €2,000 – €4,000
- Bank guaranteeOften about 1% of a guarantee of 10% of the price · indication
- €450
An estimate, not advice. Transfer tax and NHG follow the 2026 rules of the Belastingdienst and NHG (checked 28 October 2026). Notary, valuation, advice and bank guarantee have no official rates: the ranges come from prices that notaries, valuers and advisers publish, so ask for quotes. Nothing you enter is stored.
Transfer tax in 2026
You will live in it yourself
- Rate
- 2%
You are 18 to 35, will live in it, use the exemption for the first time, and the home costs up to €555,000
- Rate
- 0% (starter exemption)
You will not live in it (second home, letting, investment)
- Rate
- 8%
| Situation | Rate |
|---|---|
| You will live in it yourself | 2% |
| You are 18 to 35, will live in it, use the exemption for the first time, and the home costs up to €555,000 | 0% (starter exemption) |
| You will not live in it (second home, letting, investment) | 8% |
If the home costs more than €555,000, the starter exemption does not apply at all and you pay 2% on the whole price (rates, starter exemption). The government has announced a cut of the rate for landlords to 7% in 2027; that is still a plan.
The NHG fee
With the National Mortgage Guarantee (NHG) you pay a one-off 0.4% of your mortgage (NHG). In 2026 it is possible up to a mortgage of €470,000, or €498,200 if you also finance energy-saving measures (NHG limit). NHG is optional, but often gets you a lower interest rate.
Notary, valuation, advice and bank guarantee
These costs have no fixed rates: notaries, valuers and advisers set their own prices, so the calculator shows an indication. Ask for quotes and compare. You need a bank guarantee if you do not pay the deposit of usually 10% of the price yourself; banks often charge about 1% of the guarantee for it.
Last checked: 28 October 2026, with the Belastingdienst and NHG. Read the full process in buying a house in the Netherlands.
Frequently asked questions
Mostly it depends on transfer tax: 0% with the starter exemption, 2% if you will live in the home and 8% if you won't. On top of that come the notary, valuation, advice, and possibly NHG and a bank guarantee.
If you are 18 to 35, will live in the home, have not used the exemption before, and the home costs no more than €555,000 in 2026. If it costs more, you pay 2% on the full price.
A one-off 0.4% of your mortgage. In 2026 NHG is possible up to a mortgage of €470,000, or €498,200 with energy-saving measures.
Usually not. A mortgage is normally at most 100% of the home's value, so you usually pay the buying costs from your own savings.
No. The calculator works in your browser and stores nothing.
This calculator gives an estimate and is not financial advice. For your situation, ask a mortgage adviser or notary.