Is a technical inspection tax deductible?
A technical inspection is not deductible from income tax if you pay it yourself. Only when co-financed in your mortgage is the interest deductible. Here's how it works in 2026.
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If you pay for a technical inspection (bouwkundige keuring) out of your own pocket when buying a home to live in, the cost is not deductible from income tax. It counts as a regular purchase cost, not a financing cost, so it doesn't fall under the deductible expenses for an owner-occupied home in box 1.
There is one important exception, plus a separate rule for rental properties. Here's exactly how it works in 2026.
When is a technical inspection deductible?
Co-financed in your mortgage
The cost itself is never directly deductible — but if your lender allows you to add it to your mortgage as an additional purchase cost (bijkomende aankoopkosten), the interest you pay on that portion is deductible through the standard mortgage interest deduction. A mortgage advisor can tell you whether co-financing the inspection is possible and worth it in your case.
In 2026 the mortgage interest deduction rate is around 37%, so the actual benefit is modest. On a €400 inspection co-financed at roughly 4% interest, you'd deduct about €16 of interest a year — a tax saving of only a few euros annually. Not every bank allows you to co-finance an inspection, so check with your mortgage advisor first.
Rental properties
If you're buying a property to rent out, the rules are different. The inspection cost generally qualifies as an operating expense, which can reduce your taxable rental income. The exact treatment depends on whether the property sits in box 1, box 2, or box 3 — your tax advisor can confirm this for your situation.
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Is a technical inspection deductible with NHG?
The rule is the same as above: the inspection cost itself is not deductible from income tax. When you buy with a National Mortgage Guarantee (NHG) mortgage and the lender requires an inspection, you can usually co-finance it into the mortgage, which makes the interest on that part deductible.
A separate point worth knowing: with NHG, an inspection can be required rather than optional — for example when the valuation report shows significant deferred maintenance. Read more in our guide on a technical inspection for NHG.
Always check with a tax advisor
Tax rules are complex and depend on your personal situation. Before counting on any deduction, confirm the details with a qualified tax advisor or your mortgage advisor.
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Frequently asked questions
Not if you pay it yourself for an owner-occupied home — it's a purchase cost, not a financing cost, so it can't be deducted from income tax. The only exception is when you co-finance it into your mortgage, in which case the interest on that portion is deductible.
The inspection cost itself isn't deductible, but with an NHG mortgage you can usually add it to the loan, which makes the interest on that part deductible. With NHG an inspection can also be required if the valuation shows major deferred maintenance.
Small. On a €400 inspection at around 4% interest you'd deduct roughly €16 of interest per year, and at the 2026 deduction rate of about 37% that's only a few euros saved annually.
Usually yes, as an operating expense that reduces your taxable rental income. The exact treatment depends on which box the property falls under — check with a tax advisor.
Other guides on technical inspection
What does a technical inspection cost?
A technical inspection costs €350–€600 in 2026. See what drives the price and which extras to expect.
Technical inspection for NHG
When buying with NHG, an inspection can be required. Here's when, and what it means for your financing.
Technical inspection: everything you need to know
What's inspected, how it works, what it costs, and when you actually need one.