The Dutch notary is not merely a witness to the key handover. The notary prepares the transfer deed, checks the legal position of the property and parties, handles settlement, and submits the deed for registration at the Kadaster.
What happens around transfer?
- The notary prepares the akte van levering and, if you borrow, usually a separate mortgage deed.
- The notary checks ownership and registered mortgages/attachments.
- You receive draft documents and a financial settlement statement.
- You carry out the final property inspection, normally shortly before signing.
- Buyer and seller sign the transfer deed.
- The notary submits the deed to the Kadaster.
- After registration and final checks, the notary releases the purchase money to the seller.
Final inspection
Check whether the property is in the agreed condition, whether agreed items remain, whether unexpected damage has occurred and record meter readings. Raise discrepancies immediately rather than discovering them after signing.
Transfer tax
Transfer tax depends on your situation. In 2026, qualifying buyers aged 18 to 34 who will occupy the home themselves and have not previously used the startersvrijstelling can qualify for the exemption where the home’s value does not exceed €555,000. Other owner-occupiers generally fall under the owner-occupier rate; different rates can apply when the property will not be your main home. Always verify the current rate and conditions for the actual transfer date.
Useful distinction
Signing the purchase agreement commits the parties contractually. Legal transfer of ownership requires the notarial deed and registration at the Kadaster. Do not describe the estate agent’s “sold” status as the moment you become legal owner.