What is a valuation report in the Netherlands?
What is a valuation report (taxatierapport)? Learn what it contains, why you need one, and how a certified valuer creates it.
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A valuation report (taxatierapport) is an official document in which an independent appraiser determines the market value of a property. For a mortgage in the Netherlands you'll need a validated report, checked by the NWWI, which costs roughly €500–€900 in 2026 and stays valid for around 6 months. Below you'll find why you need one, what it contains, and what it costs.
Why Have Your Property Valued?
There are various reasons to have your property valued. When you take out a mortgage or buy an existing property, a valuation is mandatory, and an independent appraiser determines the value. Other reasons include:
- When applying for a mortgage
- When buying or selling a property
- Before a renovation
- To determine the correct insured value
- For your mortgage file
Independent Valuation
An appraiser provides an objective and independent assessment of the value of a property. They look at the condition, location, amenities and comparable sales in the area.
Accurate Reporting
A valuation report contains detailed information about the property, such as the technical condition, special features and the appraised market value.
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Cost of a Valuation Report: How Much Does a Valuation Cost?
A validated valuation report is required for many financial transactions, such as taking out or switching a mortgage. In 2026 the cost typically falls between €500 and €900, depending on the property size, type, and complexity of the valuation. Larger or unusual properties cost more. Appraisers set their own rates, so it's worth comparing a few quotes on the costs of a valuation.
Who Pays for the Valuation Report?
When purchasing a property, the costs of the valuation report are borne by the buyer. These costs are often tax deductible.
How Long Is a Valuation Report Valid?
- Mortgage lenders typically accept a report for around 6 months
- After this period, a new or updated valuation is usually required
- In a fast-moving market, a lender may ask for a more recent report
What Does a Valuation Report Contain?
An appraiser must include the following mandatory components:
- The location and environmental factors of the property
- Current condition of the property (interior and exterior)
- Maintenance status
- Layout of the property
- Current zoning plan details
- Cadastral data
- Property value assessment
Why a Validated Valuation Report?
A validated valuation report is needed to:
- Prevent mortgage fraud
- Guarantee the quality of the valuation
- Meet legal standards
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Frequently Asked Questions
A valuation report (taxatierapport) is an official document in which an independent appraiser determines a property's market value. For a mortgage you need a validated report, checked by the NWWI.
A validated valuation report in the Netherlands costs roughly €500 to €900 in 2026. Appraisers set their own rates, so it pays to compare a few quotes.
Most mortgage lenders accept a valuation report for around 6 months. After that, a new or updated valuation is usually needed.
When buying a property, the buyer pays for the valuation report. These costs are often tax deductible when the valuation is obtained for a mortgage.