Conveyance tax (governmental tax levied at transfer of ownership)
- If purchase price and market value of the house are < 615.000 EUR (2027) (550.000 EUR in 2026) and you meet all other requirements (*) you can be exempt from paying conveyance tax
- age at date of transfer of ownership between 18 and 35
- main residence
- no earlier use of rule of exemption
- If purchase price and market value of the house > 615.000 EUR (2027) a/o age 35 or higher 2% of purchase price applicable
- For 2nd homes, holiday houses and buy to let homes 2027; 7% of purchase price
- For all other real estate transactions (offices, commercial real estate etc) 10.4% is regular (*)
- For all the above mentioned; if transfer of ownership at the notary office takes place AFTER 1-1-2027 (*)
- (*) Requirements regarding exemption of conveyance tax;
- purchase price / market value < 615.000 EUR (2027) (reference date of transfer of ownership leading)
- age between 18 and 35
- main residence
- first time applicant (can be your second main residence and still qualify for exemption if you meet all requirements)
NHG (National Mortgage Loan Warranty)
For a loan under N.H.G. conditions;
the maximum cost limit 2027 will be 500.000 EUR (2026; 470.000 EUR)
If you want to invest in energy saving measures even up to a maximum of 530.000 EUR (498.200 EUR in 2026).
As per 1 -1- 2027 up to 20.000 EUR extra (without specific sustainability plan) for houses with energylabel E, F, and G if invested in sustainability. Amount must be used in max 24 months.
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 will be most probably be 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 (per 1-1-2027).
| 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+++ | + 25.000 EUR |
| A++++ excl. “energieprestatiegarantie” | + 30.000 EUR |
| A++++ incl. “energieprestatiegarantie” for minimum of 10 years | + 40.000 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+, A++ | + 10.000 EUR |
| A +++ and better | + 0 EUR |
(Loan to market value ratio is max 106%)
Study Loan
Your study loan (registered at DUO) is considered a financial commitment. 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 2026. Their income must be minimum 30.000 EUR in order to be eligible for this ruling (or if already reached AOW age; 29.000 EUR)
All aspects mentioned above are for orientation purposes only and are subject to changes, no rights can be derived from them.