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Homeownership

The tax side of owning a home in the Netherlands: mortgage interest relief, transfer tax, the bouwdepot and what overwaarde means for you.

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A woman in her early thirties walks barefoot through the shallow water of a Dutch polder stream on a spring afternoon

Tax updates

Spring memorandum 2026: what the cabinet proposed and how firm it is

In the spring memorandum the cabinet says what it wants to change about tax. We set out what this edition proposes and what it could mean for you.

Written byVictor van Gilse5 min
Clarity · twice monthly

Your money in the Netherlands, explained.

What's changing in Dutch tax, mortgages, insurance and pensions. In plain English, from advisers who explain it every day.

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