Free tool for expats
Renting vs buying in the Netherlands: run your numbers.
Dutch mortgage interest deduction, transfer tax, the under-35 exemption, buying costs and rent growth — all in one simple calculator. No email required, just your numbers.
Renting vs buying — your numbers
Your monthly rent€1.800
Home price€550.000
Mortgage interest rate3.8%
Time horizon5 years
Over 5 years, buying leaves you ahead by
€83.498
Buying starts winning around year 2.
Total rent paid€114.677
Net cost of owning€31.179
One-off buying costs€21.000
Est. mortgage payment€2.563/mo
Simplified estimate, not financial advice. Assumes a 30-year annuity mortgage on the full price, ~€10.000 in buying costs (buying agent, mortgage advisor, appraisal, notary) plus 2% transfer tax — waived for first-time buyers under 35 — 1%/yr maintenance, €1.500/yr fixed costs, 3%/yr rent indexation and 3%/yr price growth. Your mortgage advisor gives you the exact figures for your situation.
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A free tool by Expat Gate — buyer's agents who research where you should live, then win the bidding for you.Buy your home with Expat Gate →
The calculator gives you the maths. Whether this is the right moment — and the right place — for your life in the Netherlands is a bigger question. That one we answer in a free 30-minute consultation.
