Buy or Sell a Home in the
Netherlands
Your trusted guide to buying & selling homes in the Netherlands. Understand mortgages, bidding, and notary fees.
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.
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
Moving Up
0%0 of 3 steps completed
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
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