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Do you want to sell your house in the short term?
A property valuation gives you insight into the value of your home and whether you may have surplus value. That is always interesting to know.
If you are looking to buy a house, a valuation can help you determine an opening bid. Below, you will find an overview of different ways to (have) your property value calculated. You can do this yourself using an online calculation via one of the many platforms or, for example, through a professional real estate agent.
Free property valuation
At KIJCK. Makelaars, we are happy to help you determine the value of your home. While there are many online tools available (more on this later in the article), a realistic valuation of your property requires specific expertise.
For example, knowledge of the region, which we have in-house.
Fill in your details below, and we will send you the valuation by email.
Enter your postal code and house number
Postal code
House number
Addition
Street
City
Email address*
Phone number (optional)
If anything is unclear, we prefer to call you.
Within one business day, you will receive the free valuation report at the email address you provided.
Calculating property value via the Land Registry
The Land Registry offers various options to help you determine the value of your property.
You can easily and quickly calculate the property value online on the Land Registry’s website. With this tool, you will know within minutes what your house is worth. You only need to enter a few details, such as where and when you purchased your home, the purchase price, and until when you want to track price developments.
In the real estate dashboard, you can view the average sales price per property type and region. This provides a general overview and is not sufficient for an accurate valuation, but you can supplement this information with a Property Report. This report includes detailed information about the property, such as the sale price, construction year, and ownership details.
Conducting your own research on Funda
You can also take matters into your own hands by conducting your own research on Funda, the housing market website. Look at homes similar to yours to estimate your property value.
Don’t just consider the type of house and living space; location also plays a significant role in property value. However, this method is not foolproof.
On Funda, you can only see the asking price and not the final selling price. A property may have sold for less than the asking price, or there may have been an overbid.
Valuation based on WOZ value
Are you not planning to sell your house but just curious about its value? You can check the WOZ value (Valuation of Immovable Property Act) of your home.
The municipality determines this value based on the location and surface area of the property. However, the WOZ value may differ significantly from the market value. This is because the WOZ value is based on data from the previous year and does not consider the condition of the house. For example, if there are foundation issues, these are not reflected in the municipality’s valuation.
Nevertheless, the WOZ value provides a general indication of your home’s value. You can check this for free via the WOZ value register.
Determining property value through an appraisal
Have you found a house you like? Then you can have it appraised to determine its value. An appraisal report is mandatory when applying for a mortgage and provides an in-depth valuation.
The property serves as collateral for the bank, and they want to ensure the mortgage is covered by the property’s value.
It is not common to request an appraisal before making an opening bid, as an appraisal typically costs around €500. Since there is always a chance that you may be outbid, this could be an unnecessary expense.
Why get a property valuation?
A property valuation is useful for several reasons:
New home: If you are exploring the purchase of a new home and want to know how much you can get for your current property.
Objective value: If you want an objective estimate of the value of a property you are interested in.
Mortgage adjustments: If you are considering refinancing your mortgage or taking out a second mortgage, the bank will often require an up-to-date valuation. If your property value has increased, you may qualify for better mortgage terms.
Tax returns: The WOZ value, determined by the municipality, is used for various taxes, such as property tax. If you believe the WOZ value is set too high, a valuation can help support an objection.
Estate planning: If you are planning your financial future or inheritance, understanding the value of your biggest asset—your home—is essential.
Insurance value: To ensure your home is adequately insured, an up-to-date valuation helps you determine the right insured amount for your home insurance.
Market insights: Knowing your home’s value can provide insight into the current housing market in your area. This can be useful if you are considering investing in real estate or simply want to track the value development of your property.
Negotiations when buying a home: If you want to purchase another home and use your current property as leverage in negotiations, a valuation can strengthen your position.
In some situations, an official appraisal is required. This is more formal and in-depth than a simple valuation. However, for many of the reasons mentioned above, a valuation is an excellent starting point.
