Lochem Real Estate: Affordable Houses in the Achterhoek

Lochem sits between two Hanseatic cities. Zutphen and Deventer are the closest larger towns, with Doetinchem on the Achterhoek side. Raalte, Nijverdal and Almelo are in Overijssel and are separate markets, though still in reach for commuters.

Dutch transfer tax is 2% for owner-occupiers and 8% for investors and second-home buyers. Notary fees, land registry fees and a survey add more. Make sure the offer is conditional on financing and a survey. Foreign buyers have no restrictions on ownership, but non-residents may find it harder to obtain a local mortgage.

See our Netherlands buying guide and financing guide, or test costs with the mortgage calculator.

Much of the municipality lies in a protected landscape, with farmland, estates and country lanes. This restricts expansion and favours well-maintained existing homes. If a listing is a former farm or a home with a large plot, ask about agricultural use rights, nitrogen rules affecting farms nearby, and permits for outbuildings. Holiday lets are possible but subject to municipal rules, and the area is better known for domestic holidays than for strong rental yields.