Van den Boer & Roggen
Buying your first home
Buying your first home is a great step, but it can also be exciting and sometimes overwhelming. There is a lot of information out there, but what applies to you?
We can help you identify your options. It always starts with an informal conversation. We look at your specific situation and together answer any questions you may have. For example: What can you borrow? What are you able and willing to contribute in savings? In this way, together we arrive at the best option for you.
Different options for financing your first home:
Starter mortgage;
Several municipalities offer starters an additional mortgage through SVn (Stimuleringsfonds Huisvesting Nederlandse gemeenten).
This may give you just a little more room to buy your dream home. We are happy to see if the relevant municipality offers such a loan and if you qualify.
Family mortgage/family loan;
The “family mortgage,” you may have heard of it. This is when your parents lend you money to buy a home, often on more lenient terms than the bank. In some cases, this is attractive to all parties. We are happy to think along with you on this.
Donations;
In addition, a gift from family can help you buy a home. Up to a certain amount, such a gift is tax-free. This can sometimes make just the difference .
NHG Mortgage;
When you take out a mortgage with National Mortgage Guarantee (NHG), a bank is willing to offer you the lowest interest rate they have at the time. In addition, this provides a safety net in the event of personal hardship.
