Monthly mortgage tax refunds: when to apply for your 2026 deduction

A common question for new homeowners in the Netherlands is how to receive the mortgage interest deduction (hypotheekrenteaftrek) as a monthly payment instead of waiting for the annual tax return. This is managed through a Preliminary Assessment (Voorlopige Aanslag) from the Belastingdienst.

When is the Best Time to Apply?

The short answer: As soon as you have the details of your mortgage and expected income.

You do not need to wait for your first mortgage payment to fill out the form for 2026. In fact, if you want to receive the money starting from January 2026, you should ideally apply in November or December 2025. If you apply later into 2026, the tax office will spread the total remaining deduction over the remaining months of the year.

Can I Apply Before the First Payment?

Yes. The Belastingdienst calculates your refund based on your estimated annual interest and your estimated annual income. As long as you have your mortgage offer or final contract with the interest rates and principal amount, you have enough information to estimate your annual deduction.

Key Benefits of Applying Early:

• Improved Cash Flow: Receive the deduction in equal monthly installments throughout the year, making your mortgage more affordable month-to-month.
• Faster Settlement: You don't have to wait until the middle of the following year to get thousands of euros back.
• Accuracy: If you apply early and your situation changes, you can always update the assessment later to avoid having to pay money back.

What Information Do You Need?

• Estimated Income (2026): Your gross annual salary, including 13th month and holiday pay.
• Mortgage Interest: The amount of interest you expect to pay in 2026. You can find this in your mortgage repayment schedule.
• Notary & Closing Costs: If you bought the house in 2026, many of these costs are also tax-deductible in your first year.