{"type":"document","data":{"id":"275e93bf-9e64-4ba8-8f54-b2d6c166631e","localeString":"en-GB","publishDate":"2026-03-16T15:17:06.527+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"What does ‘buying a house with all transfer costs included' mean when buying a new‑build home? We explain how it works and which costs you do and don’t pay."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"The main difference compared to buying an existing home is that you don’t pay transfer tax for a new‑build property. But which one‑off costs do you still need to pay?","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/d7f7bf5f-43ea-4bfd-a79e-13f1a63a75b8/Young-man-holding-receipt-of-newly-purchased-furniture-in-empty-apartment","type":"image","width":4096,"original":"https://assets.ing.com/m/233a7a85d2973ef/original/Young-man-holding-receipt-of-newly-purchased-furniture-in-empty-apartment.jpg","extension":"jpg"},"title":"Buying a house with all transfer costs included","subtitle":"One‑off costs you pay when buying a new‑build home"},"backLink":{"textLink":{"url":"/en/personal/mortgage/buyers-costs/calculate-the-buyers-costs","text":"Calculate buyer’s costs"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"One‑off costs when buying new-build property"},{"componentType":"paragraph","richBody":{"value":"<p>You will usually need to pay the following costs from your own funds (for example: savings or a gift from your parents):</p><ul><li>Advice and arrangement fees: with us between €2,000 and €2,700</li><li>Notary fees for registering the mortgage deed and the deed of transfer: on average between €800 and €1,900</li><li>Choosing a <a data-type=\"internal\" href=\"/en/personal/mortgage/buying-a-house/dutch-national-mortgage-guarantee\">mortgage with the Dutch National Mortgage Guarantee NHG</a>? Then you pay a guarantee fee: 0.4% of the total mortgage amount</li><li>Costs for a <a data-type=\"internal\" href=\"/en/personal/mortgage/current-mortgage-rates/other-mortgage-fees\">Bank guarantee</a></li></ul>"}},{"componentType":"accordion","accordionList":[{"title":"Why do you need to use your own funds?","richBody":{"value":"<p>Under Dutch law, your mortgage may not exceed 100% of the market value of your home.<br />For new-build properties, this market value equals the purchase price + any additional work (for example: adding a skylight or installing an outdoor tap).</p><p>In practice, we often see that the full mortgage amount is already needed to cover the market value.<br />As a result, there is usually no room left to borrow the remaining one-off costs.</p>"}},{"title":"What you don’t pay for with new-build homes (but you do pay for with existing properties, unless you qualify for an exemption such as the first‑time buyers’ relief)","richBody":{"value":"<p>Transfer tax is often the largest one‑off cost: 2% of the purchase price. You do not pay this for new-build homes.</p><p>In addition, for new-build properties you usually don’t pay for:</p><ul><li>A purchasing estate agent</li><li>A valuation report<br />(A valuation is still required for non‑project-based new-build homes, for NHG, and for mortgage amounts from €1 million)</li><li>A structural survey (not needed)</li></ul><p>Tip: You may still consider a <a data-type=\"internal\" href=\"/en/personal/mortgage/newbuild/handover-inspection\">handover inspection</a>.</p><p> </p>"}}]},{"componentType":"sectionTitle","title":"‘Which costs are tax‑deductible?"},{"componentType":"paragraph","richBody":{"value":"<p>You can deduct part of your one‑off costs in your tax return for the year in which you bought your home.</p>"},"textLinks":[{"url":"https://www.belastingdienst.nl/wps/wcm/connect/nl/koopwoning/content/eigen-woning-aftrekbare-kosten","text":"Check the deductible costs on Belastingdienst.nl (in Dutch)"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"linkList","iconTitle":{"title":"Mortgages"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate maximum mortgage"},{"url":"/particulier/hypotheek/actuele-hypotheekrente","text":"Current Mortgage Interest"},{"url":"/particulier/hypotheek/oversluiten","text":"Mortgage refinancing"},{"url":"/en/personal/mortgage/buying-a-house/buying-your-first-home/calculate-starters-mortgage","text":"Buying your first home"},{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek","text":"Buying your next home"},{"url":"/particulier/hypotheek/jouw-hypotheek","text":"Your mortgage"},{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage forms"},{"url":"/en/personal/mortgage/sustainable-living","text":"Sustainable living"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice"},{"url":"/en/personal/mortgage/advisory-fees","text":"Costs"},{"url":"/en/personal/mortgage/situation","text":"Situation"},{"url":"/en/personal/mortgage/property-services","text":"Property services"},{"url":"/en/personal/mortgage/contact","text":"Contact"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"<p>The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.</p>"}}]}}}