Costs of buying a house in the Netherlands

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.

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 somewhere between 300 and 800 euros, depending on the size of the house (the bigger, the more work) and of course the valuator you choose.

Financial Advisor*
Prices for a financial advisor can vary from approx. 2,000 euros to more than 5,000 euros. At MortgageMonster we charge a modest, all-inclusive fixed fee of 2,495 euros. You can learn more about our fees below.

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 500 and 3,000 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 0.9% 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 290,000 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 MortgageMonster?
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. MortgageMonster is here to make sure you don’t get overcharged or spend money you don’t need to.

What can MortgageMonster 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!

Complete advice and organization of your mortgage

: 2,495 euros

This fixed fee includes organizing one or two life insurances, your National Mortgage Guarantee and your bank guarantee (if applicable).

Additional costs:

Self-employed customer

: 500 euros per person

Organizing your mortgage/housing costs insurance

: 250 euros per person

Organizing your medical report

: 125 euros per person

Checking your purchase agreement

: 125 euros

Complex situations

: custom price

Loss-financing, divorces, refinancing, fiscal issues, subsidies, existing insurances, etc.


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.

More housing/mortgage info:
Should I rent or buy a house?
How to buy a house in the Netherlands
How to get a Dutch mortgage
Calculate your maximum mortgage