A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
€11,100
Main home ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
€495,000Deposit
€120,588Buying costs
€14,412Monthly repayment
€2,306If rates rise 1%
€2,597Savings used
€135,000A rough guide from common lending limits in the Netherlands (up to about 5 times income, at most 100% of the price, terms up to 30 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in the NetherlandsFor lawyers, brokers, surveyors and agents serving the Netherlands. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Lenders in the Netherlands commonly lend up to about 5 times your household income before tax, if your spending and debts allow it.
Lenders usually lend up to about 100% of the price to people who live in the Netherlands, so you need a deposit of at least 0%. On top of that, buying costs come to about 2.5% of the price. If you live abroad, many lenders lend at most 90%.
Main home: transfer tax is about €9,000. All buying costs together come to about €11,100, or 2.5% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in Netherlands. Some rules on who can buy, or which rate applies, can still depend on where you live.
No limits on foreign buyers.
A BSN (citizen service number) for a Dutch mortgage. A notary to transfer the property.
We last updated the figures on 14 Oct 2026 and checked them against official sources on 14 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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