If you’re an expat looking to buy your first home in the Netherlands, here’s a financial update that might influence your timeline:

From 1 January 2026, the “startersvrijstelling” — a one-time transfer tax exemption for first-time buyers — will apply to homes valued up to €555,000.

That’s up from the €525,000 limit in 2025, and it could mean a saving of up to €11,100 — if you qualify.

What is the startersvrijstelling?

This exemption allows first-time buyers to skip the 2% overdrachtsbelasting (transfer tax) when buying their own home.

You qualify if:

• You’re 18 to 35 years old at the time of transfer

• You’re buying your first home

• You will live in the property yourself

• The property value is below the threshold (€525,000 in 2025, €555,000 in 2026)

It’s available only once, and your notary will include a declaration confirming eligibility at the time of transfer.

But there’s more to prepare for…

Even if you qualify for the tax exemption, you’ll still need to pay several one-time costs from your own savings, such as:

• Notary fees

• Valuation and bank advice

• NHG or guarantee fees

• Any amount you bid above the appraised value

While these costs are due at transfer, your mortgage advisor or lender will expect to see proof that you have them covered early in the process.

In the current Dutch housing market, buying with just a mortgage is rare. A healthy savings buffer is essential. At Expat Things, we help you understand exactly what’s needed — so you’re never caught off guard.

What if you buy in 2025, but the transfer happens in 2026?

Here’s where timing really matters.

The transfer date at the notary determines which limit applies — not the date you sign the purchase agreement.

So:

• Sign and transfer in 2025 → €525,000 limit

• Sign in 2025, but transfer in 2026 → €555,000 limit applies

If you’re close to the threshold, we’ll guide you through the options to see if timing flexibility could work in your favor.

Why expert help still matters

Buying a home is more than finding a property you like. The most important decisions — like:

• How to structure your offer

• Which clauses to include (and leave out)

• What to do if you overbid

• Whether to include a building inspection and/or to opt for bidding insurance

…are exactly where working with a professional can make all the difference.

At Expat Things, we represent you—not the seller. We guide you through each step, help you avoid pitfalls, and ensure the process works in your favor—not against you.

You don’t need to know everything. You just need the right person by your side.

New to the Netherlands or struggling with your move? At Expat Things, we help expats go from Searching to Settled. Explore our blog for expert insights, or get in touch for one-on-one assistance!

Call/WhatsApp: +31 68 799 0631
Email: info@expatthings.nl
Website: www.expatthings.nl