Income tax

Articles about Dutch income tax returns, deductions and refunds. I explain the rules with practical examples.

A homeowner sorts mortgage documents beside a laptop, a calendar and house keys in a Dutch apartment.

Income tax

Claiming Dutch mortgage interest relief: get the amount right

Dutch mortgage interest relief can be included in your annual tax return or, for an expected refund during the year, in a provisional assessment. I can handle either for you. First, I check how much interest actually qualifies. Your lender’s annual statement is a starting point, but it does not explain how you used the borrowing or what happened when you sold a previous home.

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A person compares paperwork in three folders at a desk beside a window.

Income tax

Dutch income averaging: is a tax refund still possible?

The Dutch income averaging scheme, known as middeling, has ended, but you can still claim for earlier years in 2026. The final possible period is 2022, 2023 and 2024. If your income spiked in one of those years, perhaps because of a redundancy payment or a strong year in business, I can check whether a claim is still possible and which period gives the best result. The final three eligible years are not always the best choice.

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Two partners review paperwork at a round table beside a laptop and a plant.

Income tax

Dutch fiscal partnership: when does it save you tax?

Dutch fiscal partnership can reduce your combined tax bill, but the largest refund on your own return is not necessarily the best result for you as a couple. How you allocate eligible deductions and taxable income from savings and investments can make a difference. When I prepare your returns, I look at them together: what can be allocated, how does it affect the total, and are there consequences for benefits?

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