The notary fee is set by law and decreases in brackets as the price rises (from 4.56% on the first €7,500 to 0.057% above €250,095). 21% VAT is added.

For deed and admin costs (searches, registration, office costs) we use €1,300 by default. You can change this under "More options".

If you borrow, there is a separate mortgage deed: about 1% registration duty and 0.3% inscription duty on the amount (plus 10% ancillary costs), the notary fee and costs.

This is an estimate. Your notary calculates the exact amount. You can also make a precise calculation on notaire.be.

🏠 When do I qualify for the only-own-home rate?

Broadly, if at the time of purchase you do not fully own another home or building plot, and you move in within 3 years. If you still own a home, it is sometimes possible if you sell it within a set period. The exact conditions differ per region: ask your notary.

📅 Is the rate changing in Flanders?

The Flemish government plans to raise the reduced rate from 2% to 3% from 1 January 2027. For a deed signed in 2026, 2% still applies.

🏗️ What about a new build?

If you buy a new home from a developer, you usually pay VAT on the building instead of registration duties. The land is still subject to registration duties. This calculator is for an existing home.

💰 When do I have to pay?

Registration duties and notary costs are paid when the deed is signed, usually within 4 months of the sales agreement. Banks rarely lend these costs: count them in your own funds.