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Mortgage calculator Netherlands

The monthly payment is only part of the picture. Free mortgage calculator for the Netherlands: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.

Costs on top of the price

€11,100

Main home ·

2.5% of the price

Transfer tax (overdrachtsbelasting)€9,000

Notary€1,500

Independent survey€600

Cash needed if you buy outright€461,100

Price

What do you want to work out?

Your monthly repayments, the deposit and the cash you need on day one.

Price

Deposit · 25%

Interest rate % (example)

Term (years)

Monthly repayment

€1,57330 years at 3.8%

Loan

€337,500

Deposit

€112,500

Total interest

€228,638

If rates rise 1%

€1,771

If rates rise 2%

€1,980

Cash needed on day one

€123,600

Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Where are you buying?

Each country, with its own rules

Tap a country to load its taxes, regions and buyer types.

🇬🇧United KingdomStamp duty 0–12%🇺🇸United StatesClosing costs 2–5%🇪🇸SpainITP 6–13% or VAT 10%🇫🇷FranceNotaire 7–8%🇮🇹ItalyRegistration 2–9%🇵🇹PortugalIMT + 0.8% stamp 🇩🇪GermanyTransfer tax 3.5–6.5%🇮🇪IrelandStamp duty 1–6%🇳🇱NetherlandsTransfer tax 0–8%🇧🇪BelgiumRegistration 2–12.5%🇦🇹Austria3.5% + 1.1% registry 🇬🇷GreeceTransfer tax 3.09%🇨🇾CyprusTransfer fee 3–8%🇲🇹MaltaStamp duty 5%🇭🇷CroatiaTransfer tax 3%🇦🇪Dubai (UAE)DLD fee 4%🇦🇺AustraliaStamp duty by state 🇳🇿New ZealandNo stamp duty 🇨🇦CanadaLand transfer tax

Next steps

Get quotes · Netherlands

Buying in the Netherlands: common questions

How much is transfer tax on €450,000 in the Netherlands?

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.

Do foreign buyers pay more in the Netherlands?

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.

Can foreigners buy property in the Netherlands?

No limits on foreign buyers.

What do I need to buy a home in the Netherlands from abroad?

A BSN (citizen service number) for a Dutch mortgage. A notary to transfer the property.

When were these Netherlands rules last checked?

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.