Great! You’re looking to buy your first home. There’s a lot to take in. We’ll help you get started and explain everything you need to know.
Perhaps you’re already looking at properties and have filled in a mortgage calculator, but you’re not quite sure what to do next. Or maybe you’ve spotted something lovely and are wondering: can I actually afford this house?
Just before you start looking or making offers in earnest, it’s good to know where you stand financially. Not just how much you can borrow, but also what monthly repayments suit your lifestyle.
We’ll map out your financial options and show you what different choices mean for you. That way, you’ll know what price range to look in – and how much you’ll have left over to enjoy life.
Do you have a clear picture of your financial situation? Then you can search much more effectively. And if your dream home comes along, you’ll know exactly what to do and won’t have to sort everything out at the last minute. Book an appointment and make sure you’re fully prepared for your first home. Book an appointment.
As well as the purchase price, you’ll have to deal with costs relating to the purchase and your mortgage. Which costs you’ll have to pay yourself depends on your situation and the property you’re buying. We’ll work out in advance roughly how much of your own money you’ll need, so you know where you stand.
Possibly. Consider, for example, the NHG scheme, the first-time buyer’s exemption from stamp duty or a first-time buyer’s loan. In addition, some local authorities in the Netherlands also have good schemes for first-time buyers. Which schemes are available to you and offer benefits depends on your age, the property, your income and the local authority where you’re buying. We’d be happy to look into this with you.
We consider this to be just as important as the question of how much you can borrow in total. Your home shouldn’t just be affordable; it should also leave room for the things you enjoy doing. That’s why we work with you to find monthly payments that suit the way you want to live and enjoy life.
Student debt is taken into account when determining how much you can borrow to buy a home. The monthly repayment associated with your student debt is considered. How heavily this is factored in depends, amongst other things, on the repayment rules that apply to you.
We include your student loan debt directly in the calculation, so that you know exactly how much you can borrow and the price range within which you can search.
When it comes to major, important matters such as buying a home, it’s reassuring to be able to receive guidance in your own language.
We’ll work out which monthly costs suit your everyday life, leaving room for the things that matter to you, so you can simply enjoy life.
For over twenty years, we have been helping people in Rotterdam and the surrounding area with their financial decisions. We know all the key players in the region and use that experience to help you with your plans.
We’ll listen to your plans, ask follow-up questions if anything’s unclear, and work out what suits your situation best. And the paperwork? We’ll take care of that for you.
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Pop in at the Slinge in Rotterdam, or book an appointment. We’d be happy to make time for you.
Monday to Friday from 9.00 am to 5.00 pm. Prefer to visit in the evening? We’re also open by appointment on Thursday evenings.
Book an appointment
Financing for a new-build property works differently to that for an existing property. We’ll walk you through it.
Moving to your next home: what are your options, and what should you do about your current mortgage?
Buying a second home – whether for your own use, for your children, as a holiday home or to let out – requires a tailored approach.
Book a free consultation. Just a good chat about your situation.
The first consultation is, of course, free of charge. We’ll discuss your situation, plans and any questions you may have, and see how we can help you. We’ll then explain what the next steps are, and any costs that may be involved. That way, you’ll know exactly where you stand from the outset.
Yes. We are not tied to any one bank or insurer, and we do not work on commission. We are familiar with all the providers, their costs and their terms and conditions. We’ll look at which provider best suits your situation.
Think about what you’d like to discuss and what plans or questions you have. A rough overview of your income, fixed expenses and any mortgage will help us get started, but it isn’t essential for the first meeting.
Would you like specific advice during the first meeting? If so, it would be helpful if you could bring your payslip, a statement of your savings, a list of your loans, etc., or send them to us in advance.
If you’d like, we can set up your account on the client portal in advance so you can upload documents. Please let us know when you book your appointment, and we’ll create an account for you.
Yes. Even if you’re an expat, we can help you with your mortgage and other financial queries. We’ll look at how your income and circumstances factor in and which options are best suited to your situation. We have extensive experience in this area. The consultation can be in Dutch, English or Polish.
You’re welcome to visit our office on the Slinge in Rotterdam. Of course, you can also book an online appointment. Whichever suits you best. You’ll receive the same personalised attention and clear explanations.
We’re open Monday to Friday from 9.00 am to 5.00 pm and on Thursday evenings by appointment.
Yes, of course. As an entrepreneur, your annual income can vary. We’ll look at your personal and business circumstances and find out which mortgage options are best suited to your situation. You can also come to us with any questions you may have about your pension, insurance and financial future.
