With the introduction of the lifetime mortgage, which includes the participation mortgage, pension funds and insurers can invest in Dutch homeownership while increasing their social impact. For households, the lifetime mortgage offers the opportunity to better align their wealth accumulation through homeownership with the changing financing needs throughout life. Thus, starters and crucial occupations can be better helped to access the housing market, while making it easier for the elderly to mobilize their housing capital.

 

The aim of this research is to elaborate the concept of a lifecycle mortgage in relation to retirement for the Netherlands and empirically test the preferences of households, that vary with life stages.