Many homeowners don't realize the financial consequences of divorce, break-up
Many Dutch homeowners are unprepared for the financial fallout when a relationship ends, a new survey by the National Mortgage Guarantee (NHG) shows.
The Woonlastenmonitor (Housing Costs Monitor), NHG’s recurring survey of homeowners’ financial situations, found that more than four in ten homeowners worry about whether they could continue to afford their home after a breakup, and many expect it will be difficult to find a new, affordable place to live. Yet 14 percent admit they have no idea what the financial impact would be, and only 32 percent know exactly how monthly costs—such as mortgage payments, energy bills, and insurance—would be affected.
“Early insight is crucial,” Carla Muters, NHG board member, told RTL. “Breakups are becoming increasingly common, yet a significant portion of homeowners are unprepared for one of the most disruptive changes in their lives. A breakup can suddenly create financial pressure. Understanding what this means for your home and monthly costs in advance is essential.”
The survey highlights the scale of potential risk. About 33.5 percent of homeowners believe it is unlikely they could afford their current home on their own after a breakup, while 74 percent expect it will be difficult to very difficult to find new, suitable housing.
Regional differences were notable: respondents in Gelderland (80 percent) and Groningen (78 percent) were most pessimistic, while those in Zeeland were relatively optimistic, with 23 percent expecting little difficulty.
Despite these concerns, many homeowners are not actively preparing. Over 40 percent report uncertainty about their financial future if a relationship ends, and one in five experiences financial stress.
NHG aims to raise awareness and provide guidance. “Talking about money can be difficult, especially during a breakup,” Muters told RTL. “But it is important not to face these worries alone. Speak to your lender or mortgage advisor early. Understanding your financial situation allows you to make informed choices, even when circumstances change.”
