Our articles at a glance.
Filter by topic or browse them all. Written by our advisers, based on real conversations at the kitchen table.
What does a nursing home cost in the Netherlands?
In a Dutch nursing home the Wlz pays for care and stay, and your parent pays a personal contribution to the CAK of up to €3,061.80 a month in 2026. How it is calculated, a worked example, the waiting list and the options for living close by.
Does buying a garden home affect your allowances?
The home itself does not cost anyone their allowances (toeslagen), but there are three routes through which things can still shift: the assets of whoever pays for it, whether the home gets its own address, and whether rent is paid. Allowances depend on income, assets and living situation, and all three change a little when someone comes to live in the garden.
Can a garden home affect the WOZ value of your property?
Yes. A garden home that stands permanently on your plot is included in the valuation and can increase the WOZ value (the municipal property valuation). The municipal property tax (OZB) assessment then rises too. If the home is self-contained, the municipality can also define it as a separate WOZ property, with its own assessment.
Are there second-hand garden homes for sale?
Yes, but the market is small and largely invisible. Most used garden homes go back to the supplier that installed them, where they are refurbished and offered again. That is why there is little on classified ad sites. Below you will find where to look instead, what a second-hand home really saves you and what to check on a used unit.
Are the costs of a garden home tax-deductible?
The purchase of a garden home is not tax-deductible. The Tax and Customs Administration (Belastingdienst) does take an interest in three other places: the financing (box 1 or box 3), the care costs that are still deductible, and the ownership question if your parent pays for the home but it stands on your land. That last one is the most expensive pitfall.
Can I finance a garden home with a mortgage?
Usually yes, but not as a separate mortgage on the garden home itself. The usual route is to increase the mortgage on your own house, with its surplus value as collateral. Bear in mind that the interest is often not tax-deductible, because for tax purposes the garden home is not your own home.
What is a garden home (mantelzorgwoning)?
A garden home (mantelzorgwoning) is a self-contained home on the grounds of an existing house, intended for someone who needs care or for the person who provides it. It has its own front door, its own kitchen and its own bathroom, and usually stands in the back garden of a child, a parent or someone else close to the family.
What makes it special in legal terms is not the building but its use. An outbuilding of the same size may stand in many gardens without a permit; living in it independently is allowed because informal care (mantelzorg) is being provided as defined in the Wet maatschappelijke ondersteuning (Wmo, Social Support Act). If the care relationship ends, the basis for that use ends too.
When a garden home comes into the picture
The conversation usually starts after something happens: a fall, a diagnosis, a hospital stay with a discharge date. These are the four situations we see most often.
- A parent who still manages, but no longer on their own, and lives too far away.
- A chronic illness or disability that makes climbing stairs or showering no longer straightforward.
- Early-stage dementia, where supervision close by makes the difference between staying at home and moving.
- An adult child with a disability who wants to live independently, but not far away.
There is no age limit and no assessment from the care office (zorgkantoor) is needed. What the municipality wants to know is whether informal care is genuinely being provided; many municipalities ask for a statement from a GP, a district nurse or a social-medical adviser for this. In who a garden home is intended for you can read exactly what counts as informal care and what support exists for carers.
Is it allowed on your property
That depends on your plot. The national rules determine when an outbuilding in the rear yard area may stand without a permit; your municipality fills these in through its environmental plan (omgevingsplan), with its own rules on floor area, height and the distance to the property boundary. Two identical gardens in different municipalities can therefore lead to a different outcome.
That is where every rule of thumb from the internet breaks down, even the ones that are correct in themselves. Our permit check retrieves the rules that apply to your address and shows where the national basic rule and your municipality differ. It takes ten minutes and it shapes the rest of the process. The background is in the main municipal rules.
What it costs and how long it takes
Our homes cost between €95,900 and €195,900 including VAT, depending on the model and the finish, including transport to your address. We budget the foundation and utility connections separately after a visit to your plot, because they depend on your ground conditions and on the distance that has to be dug. The full breakdown is in what a garden home costs.
The lead time is shorter than people expect. The home is built in six to eight weeks in our own production facility while the foundation and utility connections are prepared at your property, and the installation takes one day. From the first conversation to handing over the keys, that is usually two to three months if it can be done permit-free. See how long building takes.
How big is a home like this
Our models range from 36 to just over 80 m², all single-storey and with one bedroom. More important than the living area is the footprint: a home of 36.1 m² takes up 42 m² of your garden, and on top of that comes space to walk around it, a terrace and a path. In how big a garden home is you will find our external dimensions with a worked example for your garden.
Buying, renting or second-hand
There are three routes. Buying is the usual one, and the question of how you pay for it comes down to the surplus value of your house, a mortgage or sometimes a municipal loan. Renting from us starts at around €1,100 a month and is usually the better choice if you do not have the amount available in one go or do not know how long the care will last. Second-hand is the cheapest route, with a small and largely invisible supply that mostly goes through the suppliers.
What there is to say about subsidies is brief: there is no national scheme for the purchase. The municipality can, however, contribute to adaptations under the Wmo, and there are municipal loans for living at home for longer. You can read about this in are there subsidies.
What happens when the care ends
This is the question that ought to be asked beforehand and usually comes afterwards. Because the exception depends on the care situation, the home may not simply continue to be lived in as a self-contained home after that. There are three ways out: a different use that is permitted, moving it, or returning it to the supplier. We buy back our own homes, refurbish them and offer them again, so with us that way out is guaranteed.
How this knowledge base is organised
The articles above are written on the basis of the questions that come up at our kitchen tables, organised by topic: permits and regulations, costs and financing, the building and installation process, care and assessment, design and layout, and the experiences of families. Each article lists the sources it is based on, with a reference to the relevant article of law where there is one.
If your question is not among them, feel free to call us. And if you are just starting out, first do the permit check for your address and then look at the models with their floor plans. In that order, because there is little point in choosing a home that is not allowed on your property.
Is your question not listed?
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