MORTGAGE ADVICE

Buying your first home

You want to buy a home but you are not sure where to start. What can you borrow, how much of your own money do you need, and does that student debt weigh heavily? Meanwhile you are worried you will be too late once you find something you like.

It helps to reverse the order: work out what is possible first, then start looking. At a viewing you will already know whether it is within reach, and you can make an offer without second-guessing yourself.

Email us Calculate roughly what you can borrow

What we do for you

We work out your borrowing room

Not with a rule of thumb but with the standards that apply that year, including your student debt, your contract and a partner's income.

We explain the costs

What you pay from savings and what you can include in the mortgage. So you know what comes on top of your offer before you make one.

We make sure you are ready in time

In a tight market speed counts. With your documents in order you can act within a day when something comes up.

We take it step by step

You are buying for the first time, so you are hearing all of this for the first time. We take the time, and no question is too basic.

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Frequently asked questions from first-time buyers

That depends on your income, your fixed costs, the energy label of the home and the standards for that year. The calculator on this site gives you a first indication; in a conversation we work it out precisely.
Yes. Lenders take it into account, even if you are repaying it on schedule. How heavily it weighs depends on your arrangement and on the lender. Keep your DUO statement to hand, so we know straight away where you stand.
Often you can. With an employer's statement and an intention to extend, more is possible than people expect. A history of agency work, or a year as a freelancer, need not be a blocker either.
The mortgage covers the value of the home. The buyer's costs (kosten koper) — transfer tax, notary, valuation, advice — you pay on top, from savings or from a gift. The calculator on this site shows roughly what that comes to in your case.
The national mortgage guarantee is a safety net if you can no longer pay your mortgage through misfortune. You pay for it once and usually get a lower interest rate in return. It is only available up to a certain property value, and that limit changes each year.
An exemption from transfer tax for buyers within a certain age range, up to a certain property value, who will live in the home themselves. The limits change each year, so we look at what applies when you actually buy.

Let's make your home plans hecht.

Hecht is opening soon. Already have a question about your plans? Send us an email, we're happy to think along.

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