You may deduct the interest you pay on an annuity or linear mortgage taken out after 1 January 2013, used to purchase, improve, or maintain your own home (eigen woning). The interest is deductible at a maximum rate of 37.56% if your income falls in the highest tax bracket (2026). For lower incomes, the deduction equals your marginal rate. We calculate your exact deduction based on your income and mortgage. Source: belastingdienst.nl.
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Get the most out of your mortgage interest deduction.
Dutch home ownership has its own tax regime, full of opportunities and pitfalls. We give you concrete advice on mortgage interest deduction, eigenwoningforfait, and transfer tax.
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Tax advice on your home and mortgage.
Jan de Belastingman helps you make the most of every tax benefit tied to your owner-occupied home — from mortgage interest deduction to WOZ objections.
Mortgage interest deduction.
We calculate your maximum mortgage interest deduction based on your income and mortgage type, and verify that the correct deduction rate has been applied.
What to expect:
Maximum deduction rate 37.56% for high-income earners (2026)
Only annuity or linear mortgages (taken out after 2013) are eligible
Check for Wet Hillen phaseout: 71.867% remaining in 2026, fully abolished by 2041
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WOZ value and eigenwoningforfait.
The eigenwoningforfait is 0.35% of your WOZ value. We assess whether the WOZ value has been correctly determined and whether an objection is likely to succeed.
What to expect:
Eigenwoningforfait 0.35% (WOZ EUR 75,000–EUR 1,350,000 in 2026)
WOZ reference date: 1 January of the preceding year — objection period 6 weeks
Villa surcharge 2.35% above EUR 1,350,000 (2026)
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Transfer tax and starter exemption.
When purchasing a home, transfer tax is due. We check whether the starter exemption or the reduced rate applies to your situation.
What to expect:
Starter exemption: 0% transfer tax for buyers aged 18–35 (property value max. EUR 555,000 in 2026)
Standard rate 2% for owner-occupiers; 8% for investors (2026)
NHG guarantee fee 0.40% on mortgage amount up to EUR 470,000 limit (2026)
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How it works
Jan de Belastingman makes your home tax situation clear.
Three clear steps. No hassle. You provide the information, we take care of the rest.
Stap 1
We map your situation.
After your request, you receive a targeted questionnaire about your home, mortgage, and income. You securely upload your documents — WOZ notice, mortgage deed, and annual mortgage statement — so our experts get a complete picture.
Stap 2
Expert review.
Our tax advisors calculate your mortgage interest deduction, assess the eigenwoningforfait, and determine whether a WOZ objection or starter exemption applies to your situation.
Stap 3
Personal advice.
You receive a clear report with concrete savings opportunities and action points. We optionally schedule a video call to go through the advice together and answer your questions.
Stap 4
Personal follow-up.
We schedule a video call to go through the advice, answer your questions, and help you with the next step — including assistance with a WOZ objection or processing in your tax return if needed.
The four promises of Jan de Belastingman.
Whatever your situation is, we handle your taxes personally, carefully, and fast.
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Expert reviewed
Response within 24h
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Key figures: home ownership & mortgage in the Netherlands
The tax rules around owner-occupied homes change every year. Below are the most important figures for 2025 and 2026.
Eigenwoningforfait
0.35%
Of the WOZ value (EUR 75,000–EUR 1,350,000 in 2026)
Villa surcharge
2.35%
On WOZ value above EUR 1,350,000 (2026)
Max. mortgage interest deduction
37.56%
Maximum deduction rate for high-income earners (2026)
NHG mortgage guarantee limit
EUR 470,000
National Mortgage Guarantee limit in 2026; guarantee fee 0.40%
Starter exemption (transfer tax)
0% (up to EUR 555,000)
0% transfer tax for buyers aged 18–35, property value max. EUR 555,000 (2026)
Transfer tax
2% / 8%
2% own-occupancy; 8% investors (2026; was 10.4% in 2025)
Source: belastingdienst.nl
FAQ
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What drives us
Tax matters don't have to be complicated. We make sure you know exactly where you stand — and that you never pay more than necessary.
Luuk
Tax Specialist & Director
As the person ultimately responsible, Luuk leads our team of tax specialists and ensures the quality of every tax return and every piece of advice. With years of experience at leading firms, he knows exactly where the opportunities lie — and makes sure you benefit from them.