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Are property valuation costs deductible?

Are property valuation costs tax-deductible in the Netherlands? Yes, if you need the appraisal for your mortgage. Here is exactly when it counts.

3 min read· Updated July 14, 2026· youpstrietman
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Yes. If you need a property valuation in order to take out or increase the mortgage on your owner-occupied home, the cost is tax-deductible as a one-off financing cost (eenmalige aftrekbare financieringskosten). You can deduct it in your income tax return for the year you paid it. A valuation you order for another reason, such as a WOZ objection or a divorce settlement, is not deductible.

The deciding factor is the purpose. Was the appraisal needed to arrange your mortgage? Then it is deductible. Was it for any other reason? Then it is not.

What counts as a valuation cost?

When you buy a home and take out a mortgage for it, the lender requires an independent, NWWI-validated appraisal report. Simply having an estate agent estimate the value is not enough. An estate agent can give you a reliable indication of value, but an appraisal report is a formal, fully substantiated calculation of what the home is worth, drawn up by a certified appraiser.

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Which financing costs are deductible?

The valuation fee is one of several one-off financing costs you can deduct when you take out a mortgage on your own home. The main deductible items are:

  • The valuation (appraisal) fee, when the report is needed for the mortgage
  • The mortgage advice and mediation fee from your mortgage advisor
  • The notary's fee for drawing up the mortgage deed (not the deed of transfer)
  • The application fee for NHG (National Mortgage Guarantee)

These are all costs you incur specifically to arrange the loan, which is why the tax authorities (Belastingdienst) treat them as deductible financing costs. You claim them once, in the year you pay them.

Watch the difference with a structural (technical) inspection. A technical inspection is generally not a financing cost and is usually not tax-deductible, even though it is also money you spend when buying. A property valuation for your mortgage is the opposite: it is deductible. People often mix these two up.

Which costs are not deductible?

Costs that are not financing costs cannot be deducted, including:

  • Transfer tax (overdrachtsbelasting)
  • The estate agent's (buying agent's) commission
  • Maintenance and renovation costs
  • A technical/structural inspection
  • The notary's fee for the deed of transfer (the purchase deed)
  • Bank guarantee costs for paying the deposit
This does not mean these costs bring no benefit. A good buying agent, for example, can often negotiate enough off the price to more than cover their fee. So there are gains to be had beyond the tax deduction alone.

The condition to remember

The valuation deduction is a one-off deduction: you claim it in the income tax return for the year you actually paid the cost. So keep your invoices, and make sure you include them at the right time. If you are unsure whether your situation qualifies, check with your mortgage advisor or a tax adviser, otherwise you risk leaving money on the table.

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