The complete guide to buying your first home.
Buying a house as a first-time buyer often feels like walking through a fog: lots of rules, vague amounts, and fast-talking agents. This guide organizes it all for you. You’ll read what’s involved in each phase, what choices you have, and what to look out for. This way, you know where you stand, what your next step is, and what it will cost you. Calm, transparent, and without surprises.
How do the starter exemption, National Mortgage Guarantee, and starter loans work?
Check starter exemption
You pay no transfer tax on your first home. This applies if you are 18 or older and under 35. You must also live in the property yourself and the home must be priced under €555,000.
Choose mortgage with NHG
NHG provides a safety net if you can no longer afford your mortgage payments. It often allows you to pay a lower interest rate. In 2026, this applies to mortgages up to €470,000.
Inquire about starter loan
In addition to your mortgage, many municipalities offer a starter loan. The Loan Checker from the Stimuleringsfonds Volkshuisvesting shows whether your municipality participates.
Calculate maximum mortgage
Your maximum mortgage depends on your income. A starter loan covers the shortfall up to the purchase price. Additionally, the starter exemption reduces your closing costs.
We guide you through the world of real estate jargon and mortgage terms
Op zoek naar een huurwoning? Ook daar kunnen wij bij helpen. Registreer je gratis en ontvang automatisch het nieuwste huuraanbod, passend bij jouw woonwensen. Zo is ook je ideale huurwoning met ons binnen handbereik.
Looking to buy your first home as soon as possible?
With a search profile, we help you find a selection of homes.
A home that matches your needs.
Still having doubts? Here are the questions first-time buyers often ask
But aren't you coming with me to viewings?
No, and that's actually efficient. You see for yourself, we advise immediately afterwards. This way, you can switch faster and you won't miss any opportunities.
Is online guidance enough?
Yes, you actually have more contact with us than with traditional agents. We’re available via phone, WhatsApp, and email whenever you need us.
What if I don't buy anything?
Then you pay nothing. No cure, no pay. We're at the same risk as you. This motivates us to do what's best for you.
When can you be reached?
Even in the evening. We know that houses go fast and you need an immediate answer.
How fast can I get started?
Immediately. Schedule a free call and we'll call you within 24 hours or whenever it suits you. No waiting times, no hassle.