Property purchase cost calculator

Transfer Tax Calculator

Calculate Overdrachtsbelasting (Transfer Tax) and closing costs for property in Netherlands.

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National transfer tax on property purchases. Investor rate is 8% in 2026 (reduced from 10.4%). Owner-occupiers pay 2%. Qualifying first-time buyers pay 0% up to EUR 555,000; above that cap this calculator uses 2%. Commercial property remains at 10.4%. No foreign buyer surcharges.

Overdrachtsbelasting (Transfer Tax) is a flat rate of 8.00% of the purchase price.

Overdrachtsbelasting (Commercial) (Commercial (Bedrijfspand))

Commercial property transfer tax remains at 10.4% in 2026.

Flat rate of 10.40% of the purchase price.

Beyond Overdrachtsbelasting (Transfer Tax), buyers typically pay the following fees when purchasing property in Netherlands. These are included in the calculator above.

Notary — Transfer Deed (Leveringsakte)

Notary fee for drafting and registering the transfer deed (leveringsakte). Fees are freely negotiable in the Netherlands. Typically EUR 600-1,000.

Land Registry — Transfer (Kadaster)

Fee for registering the transfer of ownership with the Kadaster (Dutch Land Registry). Fixed fee per deed.

Property Valuation (Taxatierapport)

Independent property valuation required by the bank for mortgage approval. Must meet NWWI standards. Typically EUR 500-800 including NWWI validation.

Notary — Mortgage Deed (Hypotheekakte)

Notary fee for drafting and registering the mortgage deed. Typically EUR 500-1,000.

Land Registry — Mortgage (Kadaster)

Fee for registering the mortgage with the Kadaster. Fixed fee per deed.

Mortgage Advisor (Hypotheekadviseur)

Fee for independent mortgage advice. Most buyers use a mortgage advisor. Typically EUR 2,000-3,500. Can sometimes be financed within the mortgage.

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