You’ve got your eye on your dream home in Haarlem, but the bank has suddenly asked for an official valuation report. What does a house valuation actually cost in the end? Don’t worry – we’ve set out the rates, hidden costs and rules for 2026 clearly for you.
Having the market value assessed is an important step in securing financing for your home. Whereas in the past, fees were often based on a percentage of the appraised value, modern valuers now usually charge transparent, fixed rates. This ensures you won’t face any unexpected costs later on.
The final price you pay consists of several components:
Whether it’s a haven of calm or a overheated market, it’s wise to agree on a clear price in advance. That way, you’ll know exactly where you stand financially in 2026 before the inspection takes place.
A simple calculation is not enough for a lender when you want to take out or refinance a mortgage. Banks require objective and reliable evidence of the property’s value. A validated NWWI report is therefore essential. The Dutch Housing Value Institute (NWWI) checks whether the valuer has adhered to the strict guidelines and whether the valuation is realistically substantiated.
You will need this official document in various situations. Not only when buying a new home, but also, for example, if you want to reduce your current interest rate. If the value of your home has risen significantly in Heemstede, the bank may remove the risk premium from your mortgage. That will make an immediate difference to your monthly payments!
During the valuation, a registered valuer will visit the property in person to carry out a thorough inspection. They will assess the structural condition, the location, the layout and the level of insulation. Certified NVM valuers are required to measure the property in accordance with the exact NEN 2580 measurement instructions. This ensures that there can be no dispute regarding the number of square metres of living space.
You can also help to ensure that the valuation process runs smoothly. Make sure you have all the relevant documents ready for the valuer in advance. These include the title deed, the most recent property valuation notice and any floor plans.
Have you invested in making your home more sustainable in recent years? If so, please have your invoices for solar panels, HR+++ glazing or the heat pump to hand. These energy-saving measures have a direct positive impact on both the energy rating and the ultimate market value of your home. Our expert valuers will be happy to help you with a realistic and objective assessment of your property.
A valuation is a free, indicative estimate provided by an estate agent to help determine a sales strategy. A property valuation is an official, comprehensive and validated report produced by a certified valuer, which is required for a mortgage application.
Yes, if you have a valuation carried out in order to take out or increase a mortgage on your main residence, the valuation costs incurred are fully tax-deductible.
Most lenders accept a valuation report for up to six months after the inspection date. So make sure the timing aligns with your mortgage application.
The NWWI checks whether the valuer and the report meet strict quality standards and national guidelines. This quality mark guarantees the bank that the determined value has been established objectively and reliably.
A better energy rating, good insulation and solar panels significantly increase the property’s estimated market value. Please provide the valuer with details of all energy-saving measures and relevant invoices in advance during the inspection.
