Notary Costs for Home Purchase in the Netherlands

Notary costs are a significant part of closing costs when buying a home. Here's what to expect.

Typical Notary Costs

Additional Costs

Transfer tax (overdrachtsbelasting) is a national rate set by the Dutch government, not a regional one. As of 2026: 2% if you will live in the home yourself (0% for qualifying first-time buyers under 35, subject to conditions), 8% for a second home, holiday home, or buy-to-let property, and 10.4% for non-residential property. Source: Belastingdienst.nl. Add the mortgage registration fee and optional title insurance on top — total closing costs typically run 4-8% of the purchase price beyond your down payment, depending on whether the home is your primary residence.

Shopping for Notaries

Get quotes from 3-4 notaries. Prices vary. Some are cheaper, others provide better service. Choose based on reputation and value, not just price.

What's Included?

Professional legal review, deed preparation, title research, closing coordination, registration with government. Comprehensive legal protection for your purchase.

Timing

Notary fees are typically paid at closing, deducted from proceeds or added to financing.

Frequently Asked Questions

What's included in typical notary costs? Purchase deed preparation, title research, closing/signing, and registration with the land registry — together typically ranging from €950 to €2,100.

What is the Dutch transfer tax rate in 2026? 2% if you'll live in the home yourself (0% for qualifying first-time buyers under 35, subject to conditions), 8% for a second home or buy-to-let, and 10.4% for non-residential property.

Should I just pick the cheapest notary? Not necessarily — get quotes from 3-4 notaries and choose based on reputation and value, since price alone doesn't reflect service quality.

When are notary fees paid? Typically at closing, either deducted from proceeds or added to your financing.