How much can I actually borrow?
You earn well. You've saved. But the housing market... you read stories about bidding 10% above asking price. About overbidding and not getting the mortgage. About first-time buyers giving up.
“Someone who says: this is what you can borrow. These are your options. And when you make an offer, I am beside you.”
From your first question to the keys.
Work out what you can borrow
Use the calculator or book a free consultation. Within 30 minutes you know exactly where you stand.
Bid with confidence
A financial statement with every offer. The selling agent sees straight away that you are serious. Your bid is backed by the numbers before you make it.
From application to keys
The application to the bank, the deed check, contact with the notary. One person handles it all. You sign.
Want me to think this through with you?
Leave your details and I'll get in touch personally to talk through your situation as a first-time buyer.
Personal advice for first-time buyers
Contact me
An honest calculation
What you can borrow and what your monthly payments become. No surprises.
45+ lenders
Tied to no single bank. A rate that fits your situation.
Remote property assessment
Share photos or a video after the viewing. I assess with you whether the asking price is realistic.
Financial statement
With every offer. As standard, at no extra charge. Sellers take you seriously.
From start to keys
One point of contact. First conversation, application, notary. You sign.
NHG and the buyer exemption
Checked automatically. A lower rate, less risk, no transfer tax.
Curious what you can borrow?
500+
mortgages guided
17
years in the mortgage industry
45+
lenders compared
1
dedicated point of contact
The first stories are on their way.
I am asking the clients I guided over the past years to write down their experience. As soon as they come in, you will read them here in their own words, with name and situation. A handful of real stories beats a page full of polished words.
- 500+ mortgages guided
- 45+ lenders compared
- 17 years of experience
Want to share your experience? After completion you'll receive an invitation.
Frequently asked questions
As a first-time buyer the exemption means you pay 0% transfer tax. Your own costs are the notary (around 1,100 to 1,750 euros), the valuation (around 750 euros) and the advice fee of €2,600. That advice runs through Hypotheek & more, which is registered with the AFM (the Dutch financial regulator), and I charge their rate. On a property of 350,000 euros, without a bank guarantee, that comes to roughly €4,450 to €5,100. If the seller asks for a bank guarantee, add 200 to 500 euros. If you choose NHG there is a one-off premium of 0.4%, on this property 1,400 euros, which is usually added to your mortgage so you do not pay it in cash. The advice fee itself is fixed. If your lender uses a processing desk for the application, add €350 in handling costs. The 30-minute intro call is free of charge.
In 2026 you pay 0% transfer tax as a first-time buyer if you are 18 to 34, will live in the property yourself, and the property value is no more than 555,000 euros. You may use the exemption only once. On a property of 350,000 euros that saves you 7,000 euros compared with the 2% rate.
The advisory stage takes two weeks on average, from the first conversation to the application at the bank. After that the bank needs around four weeks for the final offer. Roughly six weeks in total. Already have a property in mind? Then we act the same day.
With a property rated A or better you can borrow more, because your monthly energy costs are lower under the NIBUD standards. Separately from the property label, you can also borrow up to 6% above the property value for energy-saving measures such as insulation, a heat pump or solar panels.
Yes. With a temporary contract, an annual contract or a letter of intent from your employer there are options. Some lenders even accept a probation period. I compare 45+ providers and find out which are the most flexible for your situation.
One conversation. That's all it takes.
It is free: 30 minutes where I listen to your situation and tell you what's possible. After that, you decide.
No catch. Just a good conversation.
Prefer to call first? +31 6 22 13 14 29Free orientation call · 30 minutes · No obligations