Housing, mortgage & wealth
How your home, mortgage and wealth interact with your pension income.
12 articles
Dutch senior and single-pensioner tax credits
For 2026, ouderenkorting is at most €2,067 and alleenstaandeouderenkorting is €540. Income, AOW entitlement and tax status determine their effect.
Dutch healthcare contributions and pension income in 2026
The health-insurance deductible, Wmo contribution and Wlz contribution are different costs. Use 2026 amounts and conditions and your own CAK decision when…
Pension Income and Mortgage Interest Deduction: What Changes After Retirement?
Retirement does not automatically end mortgage-interest deduction. Loan conditions, the remaining deduction period and your overall tax position determine…
Moving house after retirement in the Netherlands: financial tips
Moving after retirement can change space, accessibility and costs. Compare complete budgets for staying, buying and renting; a smaller home is not…
Vacation Budgeting in Dutch Retirement
A retirement holiday budget starts with your own income, regular expenses and available reserve. AOW holiday allowance, medical cover and extended stays…
Pension and Mortgage: How Much Can You Borrow?
A mortgage after retirement may be possible. A fixed income multiple or general housing-cost percentage does not reliably establish your personal borrowing…
Pension During Debt Restructuring (WSNP): What Are You Allowed to Keep?
Pension income is considered during the Wsnp, but you retain a calculated living allowance. For admission from 1 July 2023, the usual duration is 18 months.
Dutch medical aids and your pension budget
An aid may be funded through health insurance, the municipality or long-term care, depending on the aid and living situation. Ask about authorisation,…
Reverse Mortgage (Equity Release): Eating Your Bricks
An equity-release mortgage is borrowing secured against your home. Added interest increases the debt; residence rights, partner protection and shortfall…
International employee shares and Dutch pension
Employee shares can affect wages, private assets and retirement planning. The type of right, conditions and countries of work determine treatment; share…
Dutch wealth planning: your home and your pension
Your home may be important to a retirement budget, but equity is not freely available monthly income. Compare housing costs, liquidity and risks before…
Pension Pot and Means Test for Social Assistance: Does Your Pension Count?
Social assistance depends on income, available assets and your household. Pension entitlements, current payments and a surrender lump sum require separate…