Buying Property in the Netherlands as a Foreigner (2026 Guide)

The Netherlands is one of the most open residential markets in the EU for foreign buyers: no nationality restriction, no permit, no residency requirement. If you can finance the purchase, you can register as the legal owner in the Kadaster the same way a Dutch citizen would.

What makes the Dutch market hard is not legal access but price discovery. Stock is short, the bidding culture is aggressive, and the overdrachtsbelasting (transfer tax) splits buyers into three sharply different cost brackets: 0% for first-time buyers under 35 within a price cap, 2% for owner-occupiers, and 10.4% for buy-to-let or any property the buyer will not personally inhabit. Get the bracket wrong and the bill at the notaris swings by tens of thousands of euros.

This guide walks through the cost stack (overdrachtsbelasting, notary, kadaster, NHG, agent fees), Dutch mortgage access for non-residents, the voorlopig koopcontract and § 7:2 BW cooling-off, and the cities and neighbourhoods where foreigners actually transact, from Amsterdam Centrum and IJburg to Den Haag's international zone, Rotterdam, and the Eindhoven Brainport.

Can Foreigners Buy Property in the Netherlands?

Yes, without restriction. Dutch law does not condition real-estate ownership on nationality, residency, or visa status. EU, EEA, Swiss, UK, US, and other non-EU buyers all transact under the same rules.

What you do not need

• A residence permit, BSN issued before purchase, or proof of intent to live in the Netherlands.
• A Dutch bank account (helpful for the deposit transfer, but not required).
• A local guarantor or co-signer.

What you will still need

• A passport and, for the leveringsakte (deed of transfer), a BSN or non-resident equivalent. Your civil-law notary will request this; non-residents typically obtain a BSN at the RNI office in Den Haag, Amsterdam, Eindhoven, Groningen, or Rotterdam.
• Proof of funds and source-of-funds documentation under the Wwft (anti-money-laundering act). Notaries are obliged gatekeepers; expect bank statements, tax returns, and an account-origin trail before they will release the deed.
• A Dutch civil-law notary (notaris) — the only professional who can register the transfer at the Kadaster.

Browse current Dutch listings to benchmark before contacting agents.

Costs and Taxes

Budget roughly 5–7% of the purchase price in one-off costs for an owner-occupier, 13–16% for a buy-to-let purchase, plus annual OZB municipal property tax and the imputed rental value (eigenwoningforfait) on your Dutch income return.

Overdrachtsbelasting (transfer tax)

The single biggest variable in the Dutch cost stack, set by the Wet op belastingen van rechtsverkeer (WBR):

• 0% — startersvrijstelling: buyer is 18–34 years old, buying their own primary residence, and the purchase price (or higher of price/WOZ value) is under €525,000 in 2026. One-shot exemption per buyer; both partners must qualify independently to claim it on a joint purchase. Notarial declaration required at signing.
• 2% — woning-tarief: any other purchase of a property the buyer will personally occupy as primary residence. This is the standard owner-occupier rate.
• 10.4% — algemeen tarief: buy-to-let, second homes, holiday homes, parental purchases for a child who will not own the title, and any property the buyer will not personally live in. Also applies to pure commercial real estate.

The notary collects the tax at signing and remits it to the Belastingdienst. Misclassification ("declared 2%, actually let it out") triggers a back-assessment plus penalty; the Belastingdienst cross-checks against the BRP residence register.

Notary fees (notariskosten)

The civil-law notaris drafts the leveringsakte, holds escrow on the deposit, registers the transfer at the Kadaster, and discharges the seller's mortgage. Free-market pricing: typically €1,500–€2,500 including VAT for a straightforward owner-occupier purchase, slightly higher with a new mortgage (extra hypotheekakte). Shopping three notaries on price is normal — fees are not statute-bound.

Kadaster registration fee

A flat statutory Kadaster fee for registering the transfer (around €150 in 2026) plus a comparable fee for the mortgage deed if you finance. Bundled into the notary's invoice.

Agent fees (makelaarskosten)

In the Netherlands, the buyer pays their own buyer's agent (aankoopmakelaar) if they hire one — the seller separately pays a verkoopmakelaar. Standard buyer's agent commission: 1.0–1.5% of the purchase price plus 21% VAT, often capped or fixed-fee. In a market where 70%+ of homes sell over asking, a competent buyer's agent typically pays for itself in negotiation. Provisievrij listings (no agent on either side) are rare outside private FSBO sales.

Mortgage costs

If you finance, expect:

• Advice and brokerage (advies- en bemiddelingskosten): €2,500–€4,500 flat fee, paid to a Dutch mortgage adviser. By statute, mortgage advisers cannot accept commissions from lenders — the buyer pays direct.
• Valuation (taxatierapport): €500–€800, NWWI-validated, required by every mortgage lender.
• NHG fee (if applicable): 0.4% of the loan amount (2026), one-off.

NHG — Nationale Hypotheek Garantie

The NHG voorwaarden 2026 raise the cost ceiling (kostengrens) to €450,000 (€477,000 if the loan includes energy-efficiency upgrades). Below the ceiling, NHG provides a state-backed safety net to the lender if the borrower defaults — in exchange the borrower gets a 0.5–0.7 percentage point discount on the mortgage rate. NHG is a meaningful saving over a 30-year fixed loan; if you qualify, it is almost always worth taking.

Annual costs

• OZB (onroerendezaakbelasting): municipal property tax on the WOZ value, typically €250–€900/year for an apartment, set per municipality.
• WOZ-based water authority levies (waterschapsbelasting): €100–€300/year.
• Eigenwoningforfait: a notional rental value (around 0.35% of WOZ in 2026) added to your Dutch taxable income, against which mortgage interest is deductible (see next section).
• VvE service charge (apartments): €100–€400/month depending on building age, lift, and reserve fund health.
• Erfpachtcanon (Amsterdam leasehold): variable, see Pitfalls.

Financing as a Non-Resident

Dutch banks lend to foreign buyers, with two clear regimes: resident with Dutch employment (full access, NHG eligible) and non-resident or new arrival (tighter, often capped, NHG rarely available).

LTV (loan-to-value)

• Resident with Dutch employment, primary residence: 100% LTV is the statutory cap. The Netherlands is one of the few countries where you can still finance the entire purchase price (closing costs must come from savings).
• EU non-resident with documented income: typically 65–80% LTV, with several specialist lenders. Underwriting heavier than for residents.
• Non-EU non-resident: typically 50–70% LTV, fewer lenders, longer underwriting. Some banks decline non-resident applications outright; mortgage brokers route to specialist lenders (e.g. Expat Mortgages, Hanno, IQWoon).
• Buy-to-let (verhuurhypotheek): capped around 70–80% LTV of the unrented market value, irrespective of residency. Treated as 10.4% transfer-tax property regardless of buyer profile.

Hypotheekrenteaftrek (mortgage interest deduction)

The Dutch hypotheekrenteaftrek under Wet IB 2001 art. 3.110 lets owner-occupiers deduct mortgage interest from Box 1 (employment) income, but only on annuity or linear mortgages amortising over 30 years or less. Interest-only (aflossingsvrij) loans on new purchases are not deductible — the 2013 reform closed that path for first-time buyers. Maximum deduction rate has tapered to around 36.97% in 2026 (down from the top marginal rate). The deduction only applies if the property is your primary residence (BRP-registered); buy-to-let interest is not deductible against Box 1.

Required documents

Passport, BSN (or RNI registration appointment), employment contract or 2 years of self-employed accounts, last 3 payslips, P-formulier or Jaaropgaaf for the prior tax year, 6 months of bank statements, proof of own funds for closing costs, and the voorlopig koopcontract. Underwriting 4–8 weeks once the file is complete; faster with NHG and a clean Dutch employment history.

Fixed vs variable

Dutch borrowers overwhelmingly take fixed-rate loans, often for the full 30-year term. 2026 indicative: 10-year fixed around 3.6–4.2%, 20-year fixed around 3.9–4.6%, 30-year fixed around 4.0–4.8%, with an NHG discount of 0.5–0.7 pp if applicable. Early repayment penalty-free up to 10–20% per year at most lenders; full prepayment carries a boeterente unless rates have risen since origination.

The Buying Process, Step by Step

Plan on 8–14 weeks from accepted offer to deed registration for a straightforward urban purchase.

1. Bidding (bieden)

The Dutch bidding culture is bieden in enveloppe (sealed bids) or open offers above asking. In hot urban markets, 70–85% of homes sell over asking price; viewings are time-boxed group sessions; the seller's agent typically requests "best and final" within 24–48 hours of the open day. Common bid conditions to attach:

• Onder voorbehoud van financiering: subject to financing, with a hard outside date (typically 6 weeks). Without this clause and a financing fallback, you owe 10% of the price as penalty if the mortgage falls through.
• Onder voorbehoud van bouwkundige keuring: subject to a structural survey (see Pitfalls).
• Schone aanvaarding: vacant possession at handover.

A buyer's agent normalises the clause set; without one, the seller's agent will push to strip protective clauses to favour their seller.

2. Voorlopig koopcontract (preliminary purchase contract)

Despite the name voorlopig ("preliminary"), this is the binding contract. Drafted by the seller's agent or notary on NVM/Ring-style template, signed by both parties. Critical clauses: precise dwelling description, price, transfer date, financing and survey reservations, and a 10% bank guarantee or deposit to be lodged at the notary within 4–6 weeks of signing.

3. Cooling-off period (§ 7:2 BW)

Under § 7:2 BW, a private buyer of a residential dwelling has a mandatory three-day cooling-off period (bedenktijd) starting the day after they receive a signed copy of the koopcontract. The buyer can withdraw without cause and without penalty during this window. This protection cannot be contracted away. Use it: most buyers spend days 1–3 lining up the structural survey and confirming financing.

4. Bank guarantee / deposit (10%)

Within the contractual deadline (typically 4–6 weeks after signing), the buyer lodges either:

• A 10% cash deposit at the notary's escrow (derdengeldenrekening), or
• A 10% bank guarantee (bankgarantie) issued by a Dutch bank — usually preferred, since it leaves the cash invested.

Failing to lodge by the deadline puts the buyer in verzuim and exposes them to the 10% penalty.

5. Mortgage and survey period

Underwriting runs in parallel: 4–8 weeks for the lender's decision, plus the NWWI-validated taxatie (valuation). The structural survey (bouwkundige keuring, 6–8 weeks of slack), if conditioned, runs in week 1–2.

6. Leveringsakte at the notary

On the agreed transfer date, both parties (or their proxies) sign the leveringsakte at the notary. The notary settles the price from escrow to the seller, discharges the seller's mortgage, registers the transfer at the Kadaster, and remits the overdrachtsbelasting to the Belastingdienst. Keys handed over the same afternoon.

Realistic timeline

Where Foreigners Typically Buy

Amsterdam

Amsterdam is the default landing for international buyers and the most expensive market in the country. Foreign demand concentrates in:

• Centrum, Grachtengordel, Jordaan: canal-house apartments, monument-protected, premium pricing (€10,000–€16,000/m²), and nearly all on erfpacht (leasehold — see Pitfalls).
• Zuid (Oud-Zuid, De Pijp, Rivierenbuurt): classic 1900s housing stock, family-friendly, well-served by Zuid station for international commuters.
• IJburg and Zeeburg: 2000s+ new-build islands east of the centre, larger floor plans, family-buyer demographic, mostly eigen grond (freehold).
• Noord (NDSM, Buiksloterham): redeveloped industrial waterfront, strongest price growth post-2015, ferry connection to Centraal.

Amsterdam closed the startersvrijstelling under-35 exemption to many buyers by raising prices above the €525,000 cap; check a property's WOZ value before assuming you qualify.

Den Haag

Den Haag hosts the Dutch parliament, the International Court of Justice, Europol, and a large diplomatic and expat community. The international zone runs through Statenkwartier, Benoordenhout, Archipelbuurt, and Wassenaar, drawing foreign buyers tied to embassies, the Hague Tribunal, Shell HQ, and the European Patent Office. Pricing is consistently below Amsterdam (€5,000–€8,000/m² in prime international zones) for similar property quality. Scheveningen offers coastal living, much of it on erfpacht.

Rotterdam

Rotterdam is the Netherlands' second city and its most architecturally dynamic market. Foreign buyers concentrate in Kralingen (classic family quarter near Erasmus University), Centrum / Witte de Withstraat (post-war modernist apartments), Hillegersberg (suburban-villa stock), and the redeveloped Kop van Zuid / Wilhelminapier. Pricing typically 20–30% below Amsterdam for comparable size; meaningful price growth since 2018.

Utrecht

Utrecht is the geographic centre of the country, with a fast intercity link to Amsterdam (25 min) and Eindhoven (50 min). Foreign demand favours Wittevrouwen, Tuinwijk, and Oog in Al for urban-village density, and Leidsche Rijn for new-build family stock. Pricing approaches Amsterdam in the centre but drops sharply outside the canal ring.

Eindhoven and the Brainport region

Eindhoven and the Brainport corridor (Veldhoven, Best, Helmond) are the engineering capital of the Netherlands — ASML, Philips, NXP, Signify, the High Tech Campus. Strong international tech-sector demand keeps inventory tight despite continued new-build development. Foreign buyers favour Strijp-S (loft conversions on the old Philips campus), Tongelre, Stratum, and Woensel for family stock, and Veldhoven for new-build proximity to ASML. Pricing well below the Randstad — €3,500–€5,500/m² in 2026.

Amstelveen and Haarlem

Amstelveen is the international school anchor near Amsterdam Zuid (British School, International School of Amsterdam, KLM HQ); a mainstream destination for expat families on Schiphol-area secondments. Haarlem offers historic-centre character 15 minutes from Amsterdam Centraal at meaningfully lower €/m².

Erfpacht (Leasehold) — What Foreign Buyers Need to Know

Erfpacht is leasehold under Burgerlijk Wetboek Boek 5, Titel 7 (art. 5:85–5:100). The municipality (or another erfverpachter) retains ownership of the underlying land; the buyer owns the building and a long-running right to use the land in exchange for a canon (ground rent). For a foreign buyer the practical question is never "is this erfpacht?" — central-Amsterdam buyers should assume yes — but which kind and for how long.

Where it applies

Amsterdam dominates the foreign-buyer exposure: roughly 80% of land within the Singelgracht ring is municipal erfpacht, plus most of Westerpark, De Pijp, parts of Oost, and the IJburg/Zeeburg islands. The Vondelpark corner of Oud-Zuid is a notable freehold pocket. Den Haag has scattered municipal erfpacht (parts of Scheveningen, some Statenkwartier blocks). Utrecht has limited residential erfpacht. Outside these three cities, erfpacht on a residential dwelling is unusual.

Voortdurend vs eeuwigdurend — the critical distinction

• Voortdurend (periodic) erfpacht: the canon is fixed for a tijdvak — typically 50 years — then revalued to current land value at term end. Pre-1966 contracts are particularly exposed: a canon set in 1976 may multiply 5–15× when the 2026 tijdvak closes. Whether the prior owner has afgekocht (bought off) the current period and which year that buyout expires is the single most important line in the erfpachtakte.
• Eeuwigdurend (perpetual) erfpacht: under Amsterdam's 2017 reform owners may convert voortdurend contracts to a perpetual canon, fixed once and inflation-indexed for life. Conversion is voluntary, time-windowed, and priced from a residual-value formula. The 2020 amendment introduced overgangsregeling discounts and the afkoopfactor cap; combined, they made conversion meaningfully cheaper for existing owners but the favourable window has narrowed.

A property still on voortdurend erfpacht with the tijdvak ending in the next 5–15 years carries a hidden balance-sheet liability that the asking price rarely reflects in full. A property converted to eeuwigdurend with canon afgekocht is the lowest-risk profile and commands a measurable premium.

Reading the erfpachtakte

In the koopovereenkomst and the underlying erfpachtakte, look for:

• Soort erfpacht: voortdurend or eeuwigdurend.
• Einde lopend tijdvak (voortdurend only): the date when canon is recalculated.
• Canon afgekocht tot: the year the current canon is bought off until — eeuwigdurend afgekocht is the gold standard.
• Algemene Bepalingen: which year's general conditions apply (AB 1915, 1934, 1955, 1966, 1994, 2000, 2016) — older ones are more owner-favourable, newer ones tilt to the municipality.

Source: gemeente.amsterdam.nl/erfpacht. Get the erfpachtakte and the municipality's current aanbieding before bidding; budget the buyout into your offer if the property is voortdurend with a near einde tijdvak.

Bidding Culture and Strategy in the Dutch Market

The single biggest cultural shock for foreign buyers in the Netherlands is the bidding format. There is no statutory bidding regime — the process is contractual, set per listing by the seller's verkoopmakelaar — but a strong NVM-led market norm has emerged that catches first-time foreign buyers.

Vraagprijs is a starting point, not a ceiling

The vraagprijs (asking price) is a marketing number, not a reserve. In hot Randstad postcodes the median overbid is 5–15%, and 20%+ is routine for well-presented family stock in Amsterdam Zuid, Utrecht-centrum, or Haarlem-Centrum. The Vereniging Eigen Huis (eigenhuis.nl) and NVM publish quarterly biedklimaat indices showing the share of homes sold over asking — used right, they tell you whether your local market is in over- or under-bid territory. Calibrate to recent transactieprijzen on Kadaster rather than the vraagprijs on Funda. Buyers walking in to "negotiate down" lose their first month of bids.

Open vs gesloten (sealed) bidding

• Open bidding (onderhands bod): you make an offer, the seller responds with accept / counter / decline. Fast in slow markets, rare in hot ones.
• Gesloten / inschrijving (sealed bid): the listing is shown across one to three open-day windows; the seller's agent then sets a single bid deadline (typical: Monday 17:00 after a weekend of viewings). Each interested party submits a single sealed bid — no second round, no "best-and-final" tap-back. The seller's agent opens the bids and presents to the seller, who picks (or rejects all) at full discretion. The buyer with the highest gross price does not always win — clauses, certainty of close, and personal fit can swing it.

Tactical clauses — and the cost of waiving them

A bid is a price plus a clause set. The protective clauses in routine use:

• Onder voorbehoud van financiering (financing condition): outside date typically 4–6 weeks. Without this clause and a financing failure, the buyer owes 10% of the price as penalty under the koopovereenkomst.
• Onder voorbehoud van bouwkundige keuring (structural-survey condition): typically 7–14 days. Lets the buyer walk if the survey uncovers material defects above a stated threshold (often €5k–€10k).
• Onder voorbehoud van NHG: the offer is conditional on NHG approval. Used when the buyer needs the NHG rate discount to make the financing math work.
• Schone aanvaarding / vrij van huur: vacant possession at handover.

In multi-bid sealed processes, listing agents push buyers to waive these clauses to win. Waiving the financing condition transfers full mortgage risk to the buyer; waiving the survey waives all hidden-defect protection. Both are routine on hot Amsterdam stock and are the most common source of catastrophic foreign-buyer losses. Do not waive financing without lender pre-commitment in writing, and do not waive the survey on a pre-1980 building without a same-week walkthrough by an independent bouwkundige. A buyer's aankoopmakelaar normalises this clause set; without one, the listing agent's incentives all run the other way.

The personal letter

Dutch sellers — especially of family homes in Amsterdam Zuid, Utrecht, and Haarlem — disproportionately weight a one-page persoonlijke brief with the bid. A short, warm note about who you are and why this house is a credible practice in 2026; in a tied bid it can be the deciding factor. Sources: eigenhuis.nl and nvm.nl for current bid-climate data and contract templates.

Common Pitfalls

Erfpacht. See the dedicated Erfpacht section above. The single biggest hidden liability in central-Amsterdam stock — never bid before reading the erfpachtakte.

Bidding misread. See Bidding Culture and Strategy. The vraagprijs is the floor, not the ceiling.

No bouwkundige keuring = no recourse. The Dutch civil code says a seller must disclose known defects (verborgen gebreken), but in practice the case law sets a high bar for buyer recovery on hidden problems. A bouwkundige keuring (€400–€700) before the cooling-off ends is the only practical buyer protection. Skipping it on a fast-moving multi-bid deal is the single most common foreign-buyer regret.

Energielabel and the 2030 rental cap. Every dwelling has an energielabel (A++++ to G). For owner-occupiers, the label affects WOZ-based deductions and resale narrative. For buy-to-let, the Wet betaalbare huur (2024) introduced a points cap that bites on lower energy labels — D and below progressively lose rental yield. If you buy as buy-to-let, treat E-G stock as renovation projects, not yield assets.

VvE health. For apartments, the Vereniging van Eigenaren (owners' association) holds the maintenance reserve. A VvE with a thin or zero reserve, or that has not held a vergadering in years, is a hidden liability. Pull the VvE balance sheet, MJOP (long-term maintenance plan), and last two minutes before bidding. A "low service charge" usually means a hollowed-out reserve.

Misreading the startersvrijstelling. The 0% rate is per buyer, requires the buyer to be 18–34 at signing, requires a notarial declaration that the buyer has not used the exemption before, and applies only if the price (or higher of price/WOZ) is below €525,000 in 2026. A joint purchase with a partner over 35, or with a partner who has previously claimed the exemption, partially loses the benefit. Always model the post-tax cost both ways before bidding to the cap.

Cross-border FX spread. Moving €100,000+ via a foreign retail bank can cost €300–€1,500 in hidden margin. Multi-currency providers (Wise, Revolut, OFX) and Dutch direct-deposit options save 0.3–1.0% on the down payment.

Searching Effectively on Seeki

Seeki aggregates Dutch listings into a single searchable map. A few practices that pay off:

• Start broad, filter down: begin at country or province level rather than a specific neighbourhood. Amstelveen for Amsterdam-Zuid budgets, Schiedam for Rotterdam, Houten for Utrecht.
• Use filter slugs: apartments for sale in the Netherlands, houses for sale in the Netherlands.
• Benchmark €/m²: prices per m² across the Netherlands before you bid.
• Save searches. In Amsterdam, Utrecht, and Haarlem, well-priced listings can clear in days.
• Zoom to street level: tram-stop and station proximity create real micro-level price jumps; so does proximity to the gracht in Amsterdam and the dunes in Den Haag.

FAQ

Do foreign buyers really face no restrictions?

Correct. Dutch real-estate ownership is open to any natural or legal person, regardless of nationality or residency. The constraints are commercial (financing, bidding) rather than legal. The only checks are anti-money-laundering (Wwft) source-of-funds verification at the notary, which apply equally to Dutch and foreign buyers.

Can I qualify for the 0% startersvrijstelling as a foreign buyer?

Yes, if you are 18–34 at the date of the leveringsakte, the property is your primary residence, the price (or higher of price/WOZ value) is under €525,000 in 2026, and you have not previously used the exemption (anywhere in the Netherlands). Nationality and residency status do not matter for eligibility. You need a BSN to register, and you must sign the startersverklaring before the notary.

How much are closing costs, all in?

For an owner-occupier: budget 5–7% of the purchase price (2% transfer tax, ~€2,000 notary, ~€150 Kadaster, ~€3,500 mortgage advice, valuation, plus 1–1.5% buyer's agent + VAT if hired). For a buy-to-let buyer: 13–16% because the transfer tax jumps to 10.4%. On a €500,000 owner-occupier purchase, expect €25,000–€35,000 in closing costs; on the same purchase as buy-to-let, €65,000–€80,000.

Can I get a Dutch mortgage without Dutch residency?

Yes, at 50–80% LTV depending on nationality and income documentation. Several specialist lenders work with non-residents (Expat Mortgages, IQWoon, Hanno are common channels). NHG is generally not available without Dutch tax residency. Underwriting takes 4–8 weeks; expect heavier documentation than a Dutch resident.

What is erfpacht and why does it matter?

Erfpacht is leasehold — the Gemeente Amsterdam (and a few other municipalities) owns the land beneath the building. The owner pays an annual canon or has afgekocht (bought off) the canon for a fixed period. Term resets are the risk: a 50-year canon-buyout from 1976 expires in 2026 and the new canon can be a multiple of the old. Always read the erfpachtakte before bidding. Many central-Amsterdam buildings now offer perpetual erfpacht conversion under the 2017 reform, which permanently locks the canon — usually worth taking if available.

How does the 3-day cooling-off period work?

Under § 7:2 BW, after the voorlopig koopcontract is signed, the buyer has three calendar days (starting the day after they receive the signed copy) to withdraw without cause, without penalty, and without explanation. The cooling-off applies only to the buyer, only to private buyers (not commercial), and only to residential dwellings. Use it to confirm the structural survey and final mortgage commitment before you are locked in.

What taxes apply when I sell?

For a primary residence: no capital gains tax on the sale of an owner-occupied home in Box 1. The Netherlands does not tax residential capital gains for owner-occupiers, regardless of holding period. For a buy-to-let or investment property: rental income and gains are taxed in Box 3 (notional return on net assets, around 6.04% deemed yield in 2026 taxed at 36%); the actual gain on sale is not separately taxed under current rules, though Box 3 reform is ongoing — consult a Dutch tax adviser before disposing of a non-residence holding.

Disclaimer

General information, not legal or tax advice. Dutch tax brackets, NHG limits, and the WBR transfer-tax cap change annually. Always verify the current rates and your eligibility for the startersvrijstelling and NHG with a licensed Dutch notaris, belastingadviseur, or hypotheekadviseur before transacting. Last reviewed: 2026-04-28 by Seeki Editorial.