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How much transfer tax do I need to pay when buying a property in The Netherlands? We wish we could hand out free tax exemptions but the Dutch tax authority “Belastingdienst” tends to disagree. When you are buying a property here you will often have to pay transfer tax, which in Dutch is called “overdrachtsbelasting”.....

Dutch mortgage interest rate expectations for 2023 Over the last year mortgage interest rates have tripled in The Netherlands. Higher rates impact how much you can borrow but also how much you are willing to spend on a house. Together with a high inflation this has caused potential buyers to be more cautious. Looking forward,....

Can I take my old mortgage with me when I move house? In just over a year mortgage rates have increased from 1 to 4%. These higher rates mean higher monthly expenses and less borrowing capacity when applying for a mortgage. This in turn together with higher energy costs is pushing prices down in the....

Dutch mortgage changes in 2023 With the year almost over it is time to look at the changes that lay ahead with regard to buying a property and obtaining a mortgage. 1. NHG limit will increase with € 50.000   NHG stands for the Dutch National Mortgage Guarantee foundation. They offer property owners a safety....

5 frequent questions by first time buyers What does the process look like when I want to buy a house?   The first step is a good preparation. You should have a clear view on what are you looking for and if for example you want to be advised by a real estate agent. Get....

How does the energy label impact the price of a Dutch property? According to the NVM (a Dutch real estate agent association), housing prices for energy efficient homes outpaced those with a lower energy efficiency. These properties are also on the market for a shorter period of time and buyers are more keen to overbid....