Buy or Sell a Home in the
Netherlands
Your trusted guide to buying & selling homes in the Netherlands. Understand mortgages, bidding, and notary fees.
Your Journey Dashboard
Track your progress toward home ownership in the Netherlands.
Buying
0%0 of 6 steps completed
Selling
0%0 of 6 steps completed
Upgrading
0%0 of 3 steps completed
Step-by-Step Guide
From understanding your budget to signing the final deed, we've broken down every essential step.
Hypotheek (Mortgage)
Understand how much you can borrow before looking for a home.
Aankoopmakelaar (Buying Agent)
Decide if you need a professional to help you find and bid on a home.
NHG (National Mortgage Guarantee)
A safety net that can also get you lower interest rates.
Listing Sites
Where to find available properties in the Netherlands.
Bidding Process
How to place a winning bid in a highly competitive market.
Notary & Closing
The final legal steps, signing the deed, and paying the fees.
Key Numbers to Know
The Dutch market moves fast. Make sure you understand the current financial limits and advantages before making an offer.
NHG Limit (2026 limits)
€470,000
Buying under this limit secures a lower interest rate and acts as a government safety net.
Transfer Tax Exemption
First-time buyers under 35 buying a home under €510,000 pay 0% transfer tax instead of 2%.
Estimated Buying Costs (K.K.)
Kosten Koper (buyer's costs) typically add 2-6% to your purchase price depending on whether you're exempt from transfer tax and if you use a buying agent.
- Aankoopmakelaar (Agent) ~ €3,500
- Notary (Transfer & Mortgage Deed) ~ €1,500
- Appraisal Report (Taxatie) ~ €700
- NHG Premium (if applicable) 0.4% of price