Preliminary tax refund,
arranged
Own your home? You do not have to wait until after your tax return for your mortgage benefit. With a preliminary tax refund you receive your mortgage interest deduction in your account every month. We arrange the application for a fixed price of €109, at your home in the Zaanstad region.
* The amount depends on your mortgage, income and tax bracket. We calculate your exact monthly amount.
Applying for a preliminary refund in the Zaanstad region
If you own your home with a mortgage, you pay less tax thanks to the mortgage interest deduction. Normally you only get that benefit back after your annual return, in one go, a year later. It does not have to be that way.
With a preliminary tax refund (voorlopige teruggave), the Belastingdienst pays out your expected refund monthly, in advance. So you keep more each month. You can apply for or change it all year round.
We arrange the application for you, at your home in Zaandam, Krommenie, Wormerveer, Assendelft or elsewhere in the region. We calculate your benefit correctly, including the owner-occupied home value, so you do not risk having to repay afterwards.
For whom and when?
A preliminary refund is not only for first-time buyers. When your situation changes, it is smart to have it applied for or updated.
Just bought a home
First-time buyers often leave money on the table for months. Apply for a preliminary refund right away and receive your mortgage benefit from the first month.
Moved or new mortgage
After moving, refinancing or a new mortgage, your deduction changes. We update your preliminary refund so the amount is correct again.
Income changed
Earned more or less, retired or changed jobs? A changed income changes your refund. Have it adjusted to avoid repaying later.
Not sure it is right
We check your current preliminary assessment for free, so you know you are not receiving too much or too little.
How does a preliminary tax refund work?
What it is, which deductions count and what it gives you per month.
The Belastingdienst (Dutch tax authority) calls a preliminary tax refund a preliminary assessment with a negative amount. You then receive part of your expected refund every month, instead of once a year after your tax return. So you get your money twelve times a year, at the moment you also pay the costs.
After the end of the year you file your normal tax return. If your actual deductions are higher than the estimate, you receive the difference. If they are lower, you pay the difference back. That is why we prefer to estimate on the careful side.
Which deductions can you include?
A preliminary refund can include almost all personal deductions and the costs of an owner-occupied home:
- Mortgage interest and the imputed rental value (eigenwoningforfait)
- Specific healthcare costs, above the threshold
- Donations to a charity (ANBI), above the threshold or as a periodic gift
- Partner alimony that you pay
- Weekend expenses for a child with a disability
- Maintenance of children
You fill in an estimate for the whole year. Be careful with it: an estimate that is too high means paying back afterwards. We calculate your amounts in advance.
Example: a mortgage of €340,000
Say your home has a WOZ value of €340,000 and you have a mortgage of €340,000 at 3.7% interest. Your income is in the first tax bracket, so you deduct at 37.56%.
| Item | Per year | Per month |
|---|---|---|
| Mortgage interest | €12,580 | €1,048 |
| Imputed rental value (0.35%) | − €1,190 | − €99 |
| Deductible balance | €11,390 | €949 |
| Tax benefit (37.56%) | ± €4,278 | ± €357 |
* Indicative example. Your actual refund depends on your interest rate, WOZ value, tax bracket and situation. This example assumes an income in the first tax bracket. In the top bracket the interest is deducted at the capped rate while the imputed rental value is added to your income at the full rate, so the benefit is lower.
When do you receive the money?
After approval, the Belastingdienst pays out monthly, usually around the 20th. Apply in January and the amount is spread over twelve months. Apply in April and you receive the first three months in one payment, followed by the fixed monthly amount.
Changing your preliminary refund
You can adjust a running preliminary assessment at any time. Do so in any case if:
- your mortgage changes, for example after a new fixed-interest period;
- your income goes up or down;
- you have high healthcare costs you want to include;
- you get divorced and start paying alimony;
- you move, or buy or sell a home.
If your situation changes and the assessment does not, you pay back afterwards. We check that for you free of charge.
What does it cost?
Fixed prices. No hourly rate.
- ✓ Application or change of preliminary refund
- ✓ Mortgage interest deduction calculated correctly
- ✓ Owner-occupied home value processed
- ✓ Also after moving or a salary change
- ✓ At your home or online
Sorted in 4 steps
No hassle, no small print. Here is how it works.
Get in touch
Call, WhatsApp or email. We reply the same day.
We take a look
Free and without obligation. You know right away where you stand.
We arrange it
At your home or online. We handle the whole process from A to Z.
Done
You receive a copy for your records. Questions afterwards? Always free.
Preliminary refund in your town
We come to your home throughout the Zaanstad municipality and nearby villages.
Questions about the preliminary refund
It is a preliminary assessment in which the Belastingdienst pays out your expected refund (such as your mortgage interest deduction) monthly, instead of in one go after your annual return. So you keep more each month.
Yes. You can apply for or change a preliminary refund all year round. If you apply later in the year, the months already missed are usually settled in the next instalments.
That depends on your mortgage interest, income and tax bracket. For many homeowners it is between €100 and €400 per month. We calculate your exact amount before we submit the application.
If you receive too much, the Belastingdienst settles it after your annual return. That is why we calculate realistically and update your refund as soon as your situation changes, so you are not caught out.
The complete package with mortgage calculation costs €109; with your partner €149. We need your mortgage details, property valuation (WOZ) and income information, we tell you exactly what.
Technically they are the same thing. Preliminary assessment is the official term of the Belastingdienst. If you have to pay, it is called a preliminary assessment. If you get money back, it is called a preliminary tax refund. The application works the same way.
No, a preliminary refund only applies to the current year. For earlier years you file a normal or corrected tax return. That is possible up to 5 years back; we arrange it through correction and late tax return.
The Belastingdienst usually processes an application within 2 to 6 weeks. You receive a decision letter and the monthly payments start after that. Early in the year it is busier, so it can take a little longer.
Yes. If you have other large deductions, such as high healthcare costs, partner alimony or periodic donations, it works too. A mortgage is the most common reason, but certainly not the only one.
Have your preliminary refund arranged?
Send a WhatsApp or call, we reply the same day. Fixed price €109, at your home in the Zaanstad region.