Transfer tax (overdrachtsbelasting)
- If purchase price and market value of the house is < 555.000 EUR (2026) and you meet all other requirements you could be exempt from transfer tax (*)
- If main residence AND all requirements are met, market value and purchase price or market value > 555.000 EUR (2026); 2% of purchase price
- For 2nd homes, holiday houses and buy to let homes 2026; 8% of purchase price if date of transfer of ownership is after 1-1-2026
- Business labeled real estate transfer tax remains 10,4%
- Requirements regarding exemption of transfer tax;
- purchase price / market value < 555.000 EUR (2026) versus 525.000 EUR (2025) (reference date is date of transfer of ownership at the notary office, for 555.000 EUR this date must be 1-1-2026 or later)
- age < 35 (reference date = date of transfer of ownership at the notary office)
- main residence
- never used the exemption of transfer tax before
- if 2 persons buy a house and each person becomes owner for 50%, one is 35 years of age or older and the other person is < 35 years of age the last person will pay 0% over 50% of the purchase price and the person aged 35 years or older will pay 2% of 50% of the price
NHG (National Mortgage Loan Warranty)
For a loan under N.H.G. conditions the maximum cost limit 2026 will be 470.000 EUR (2025; 450.000 EUR). If you want to invest in energy saving measures (EBB / EBV) even up to a maximum of 498.200 EUR. For more info about N.H.G. check this page.
NHG One off contribution you have to pay remains 0,4% of the loan amount (your contribution to the financial safety net of NHG ). The one off contribution paid by you is subject to tax relief if all requirements are met. Due to the fact that the bank has lower risk of default of your loan your advantage is a lower interest rate compared to similar non NHG labeled loans.
Energy label
The energy label of the house you will purchase co determines the max to borrow amount. The better the energy label the higher the extra amount you can borrow on top of your regular max Loan to Income amount.
| Energy label current home | Amount to be added for determining max loan to income amount |
| E, F, G | + 0 EUR |
| C, D | + 5.000 EUR |
| A, B | + 10.000 EUR |
| A+ up to and including A++ | + 20.000 EUR |
| A+++ | + 30.000 EUR |
| A++++ excl. “energieprestatiegarantie” | + 40.000 EUR |
| A++++ incl. “energieprestatiegarantie” for minimum of 10 years | + 50.000 EUR |
If you want to renovate / invest in energy saving measures you can borrow extra => depending on the energy label of your house
| Energy Label | Extra Amount |
| E, F, G | + 20.000 EUR |
| C, D | + 15.000 EUR |
| A, B, A+ tm A+++ | + 10.000 EUR |
| A ++++ and better | + 0 EUR |
Study Loan
Your study loan (registered at DUO) is considered a financial commitment. Per 1-1-2025 this financial commitment will be assessed in a different way than before. The monthly amount you pay (see DUO.NL) will be grossed up by this column (push button) in order to determine the influence of your study loan on the maximum loan amount for your mortgage loan). Please let us know if you want us to calculate the consequences of you study loan on your maximum loan amount.
Singles
Singles can borrow 17.000 EUR extra (Loan to Income) in 2025 (2024; 16.000 EUR). Their income must be minimum 28.000 EUR in order to be eligible for this ruling.
All aspects mentioned above are for orientation purposes only and are subject to changes, no rights can be derived from them.
- Tel (070) 347 3772
- Mob (06) 310 60 525
- Email info@expatsfinancialsolutions.com
- Opening hours 9 AM – 5.30 PM (Mon – Fri)
