What this includes
Transfer tax is 2% for your own home, 0% for eligible starters and 8% otherwise. The monthly figure is the annuity before mortgage-interest relief.
Netherlands
The monthly number is not the payment.
Four planning tools for buyers and owners in the Netherlands: annuity owner cost before mortgage-interest relief, a price ceiling, break-even on an early repayment fee, and transfer tax.
Mortgage
Principal and interest plus insurance and owners' association fees — the monthly number the payment quote leaves out. Extra principal is a first-class input.
Afford
The highest price at which owner cost is 28% of gross income, with how lenders in this market actually test it.
Refinance
Months to recover switching costs from a lower payment. Compare the break-even period with how long you expect to keep the new loan.
Stamp & taxes
Transfer tax 2026 for owner-occupiers, starters and other buyers.
Official sources used for Netherlands
- Dutch Tax Administration (Belastingdienst) — transfer tax rates (in Dutch) (2026)
- Government of the Netherlands — starter exemption from transfer tax (in Dutch) (2026: €555,000)
- Royal Dutch Association of Civil-law Notaries — transfer tax rounded down to whole euros (in Dutch) (from 1 March 2023)
Rules checked on 24–25 September 2026.