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Homeowner tax return ebook for the Netherlands
Our free ebook walks you through the Dutch tax return as a homeowner. It shows what you can deduct, and it flags the costs people forget. All with the 2026 rules. It is written for internationals who have just bought their first home.
How is this page fact-checked?
We check every page for accuracy, timeliness and relevance. Each one is written and reviewed by our qualified advisors, so the information stays clear, complete and correct.
- belastingdienst.nl (the Dutch Tax Administration)
Updated 6 October 2026
Inside the guide
What the homeowner tax return ebook covers
The ebook takes you through your Dutch tax return as a homeowner, step by step. It sets out which buying costs you can deduct in the year you buy and which you cannot. It explains the eigenwoningforfait, the sum the Belastingdienst (the Dutch tax authority) counts as income because the home is your own. It covers your mortgage interest, and it covers the sell side for when you move on.
If you rent out part of your home, that income has its own rules. You can read about renting out and tax on our rental income page.
We wrote it for people owning a home in the Netherlands for the first time. You do not need any Dutch tax background to follow it. If you arrived in the Netherlands this year, you file a separate return for your year of immigration. Our M form guide explains how that first return works.
Deductible or not
How do you tell a deductible cost from one that is not?
Whether a home-buying cost is deductible depends on what it paid for, not on who sent the bill. Costs that financed the mortgage are deductible. Costs that bought the property itself are not.
That single line settles most of the confusion. The notary and the land registry each bill you twice. The part for the mortgage deed is deductible. The part for the transfer deed is not. Advice works the same way. Mortgage advice is deductible. Advice about the property itself is not.
This is the fact that decides your first return as a homeowner. The full list, with the ones people forget, is in the guide. Download the ebook below and check your own costs against it.
Download the free homeowner guide
The guide is a free PDF. You do not sign up and we do not ask for your email. Keep it, print it, share it with your partner.
A personal call
Rather talk it through?
Book a free call and we go through your situation together. 20 minutes, no obligation. Your advisor stays with you, from the first question to the filed return.
What's included
A dedicated advisor
A draft before we file
Help in English or Dutch