Knowledge Hub

Everything you need to know to make the right choice between renting and buying.

Guides & Strategy

If you rent and invest, Box 3 can materially change outcomes. Learn what to model and how to avoid double-counting.

The most common modeling mistakes—rent growth, maintenance, taxes, and time horizon—and how to fix them.

A plain-English explanation of hypotheekrenteaftrek and how to model it without overstating benefits.

Understand “kosten koper” in the Netherlands—what’s included, what’s optional, and how it changes your rent vs buy outcome.

A step-by-step framework to decide whether to rent or buy in the Netherlands—using realistic assumptions, taxes, and time horizon.

A city comparison framework: rent-to-price ratios, growth assumptions, and why sensitivity matters more than city stereotypes.

How to model housing decisions when you may need more space soon—moving costs, uncertainty, and time horizon planning.

A realistic way to model rent vs buy for expats with a short horizon—fees, selling costs, and flexibility.

Learn how to interpret break-even year correctly, and why sensitivity analysis matters more than a single number.

Returns, rent growth, home appreciation, and taxes: learn which assumptions matter most and how to choose realistic ranges.

Buying an apartment? Learn what a VvE is, typical monthly costs, and why reserves can make or break your budget.

What EWF is, why it exists, and how it affects your net cost of owning a home—especially alongside mortgage deduction.