Applying for a starter loan
By Lorena OlivaresA helping hand for first-time buyers.
What is the starter loan
The Starterslening is a supplementary loan from your municipality that bridges the gap between your maximum mortgage and the purchase price. Interest-free for 3 years, then linked to your income.
Who qualifies
- First-time buyer
- Buying in a participating municipality
- Income within limits
- Home value under the municipal cap
How to apply
Check if your municipality participates via SVn.nl. Apply through the municipality after your offer is accepted but before signing.
Frequently asked questions
Maximum amount?
Varies per municipality — typically €20,000-€50,000.
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Need help?
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