Kosten koper (k.k.): what's included?

Short answer: 'k.k.' (kosten koper, buyer's costs) means the costs of transferring ownership come on top of the purchase price and are therefore for the buyer's account. Roughly reckon on a few percent of the purchase price extra, depending on your situation.

The usual items

• Transfer tax (for an owner-occupied home usually 2%; young first-time buyers under an age and price limit may get an exemption).
• Notary: deed of delivery and mortgage deed.
• Mortgage advice and brokerage.
• Valuation (often required for the mortgage).
• Possibly a buying agent and a structural survey.

Mind the difference with 'v.o.n.'

For new builds you often see 'v.o.n.' (free on name): then the transfer costs are already included in the price. For existing homes, 'k.k.' is the norm.

The exact transfer tax and starter exemption (with the current age and price limit) are on the Tax Authority's site. This is general information, not tax or financial advice.

Sources: Belastingdienst — transfer tax