Which costs do you have to take into account when buying a property in the Netherlands?

When buying a property in the Netherlands, it is generally possible to finance up to 100% of the property’s value with a mortgage.

However, there are additional costs that you will need to pay from your own funds. These are called Kosten Koper (K.K.), which you’ll often see listed next to asking prices on Funda.

Buyer’s Costs typically add up to about 5% of the property’s value, though this can vary. These costs include things like notary fees, transfer tax, and other legal or administrative expenses.

Some of these costs are tax-deductible, meaning you can claim part of them back when filing your taxes the following year. Certain expenses are mandatory for every buyer, while others may depend on your individual situation or the specific property.

Below there is a table to simplify the situation:

Besides that, most properties will require some type of small or big repairs and renovations. There might be also some unforeseen costs.

Therefore, it is important to have some additional money set aside for any unforeseen costs.

This article is purely indicative. Here we take into account the most common costs. There might be other costs such as ground lease buyouts. So, let yourself always be well informed by your real estate agent and/or mortgage advisor.