Starter
Buying your first home
As a first-time buyer, you usually first want to know how much you can borrow for your first home. Your maximum mortgage is calculated based on various factors, such as your income, any student debt, fixed expenses, and current mortgage interest rates. Many first-time buyers opt for a mortgage with a National Mortgage Guarantee (NHG). This can ensure low interest rates and extra security.
Good
to know
What should you look out for as a first-time buyer on the housing market? Here you will find the most important elements.
In addition to the purchase price of the home, you often have to deal with buyer’s costs, such as transfer tax, notary fees, and appraisal costs. You usually cannot finance these costs through your mortgage. As a result, you often need your own savings when buying your first home.
Student debt does not automatically mean you cannot get a mortgage. However, it can affect the maximum amount you can borrow. Lenders look at the amount of your student debt and your monthly obligations.
When taking out a mortgage, you can in some cases opt for National Mortgage Guarantee (NHG). You pay a one-time fee, whereby the Foundation for the Guarantee Fund for Home Ownership (Stichting Waarborgfonds Eigen Woning) acts as guarantor for your loan. This provides you with extra security (guarantee) and a lower interest rate. As of January 1, 2026, the maximum amount you can borrow with NHG is €470,000. This means that the value of the home, including any renovation costs, may not exceed €470,000. Ask about the conditions and additional options.
A permanent contract often makes applying for a mortgage easier, but it is not always necessary. There are sometimes possibilities even with a temporary contract or a letter of intent. Lenders look at various factors, such as your income security.
Mortgage advice for first-time buyers
Buying your first home isn’t something you do every day. That’s why it’s nice to have someone think along with you and guide you step by step.
We take the time to explain everything calmly. Without complicated terms, just clear and honest. This way, you know exactly what is possible and can search for your first home with confidence.
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Advice for your first home purchase
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Interim consultation on the changing interest rates
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Choose from offers from all well-known lenders
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Honest advice about the various options
Key terms / Mortgage types
Interest-only mortgage
Linear Mortgage
Annuity Mortgage
Buyer’s costs (k.k)
Taxatie
Real estate agent commission
Imputed Rental Value
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Introduction & free mortgage consultation
The financial check
Searching for a suitable home
The mortgage application
Mortgage approved & off to the notary
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Our knowledge of
buying a house
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How much can I borrow in 2026?
It is one of the most frequently asked questions. In this blog, you can read more about determining the maximum mortgage