Mortgages in the Netherlands
How do I get a loan for buying an apartment or a house?
Are there restrictions on how much I can borrow for my mortgage?
What are the types of mortgages available in the Netherlands?
How can I decide which mortgage is best for me?
How is the interest on my mortgage calculated?
What type of information is required when getting a mortgage?
When do I start to repay my mortgage?
What happens if I find that I can no longer afford to pay my mortgage?
Can I claim mortgage tax deductions on my mortgage?
The interest that you pay on your mortgage might be hypotheekrenteaftrek (tax deductible) from your earnings. If you are on a Dutch payroll and are considered a resident taxpayer, meaning you pay taxes in The Netherlands, you are entitled to the same benefits that Dutch citizens have. The mortgage relief or tax deductible has always been a contentious issue in Dutch politics and this tax benefit may become more limited in the future.
For your personal tax situation, it is advisable to look at the Belastingdienst (Tax Authorities) website (in Dutch only) or contact them on the English speaking telephone help line by calling 055 538 5385.