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Starters loan

An additional loan from your municipality that can bridge the gap between your maximum mortgage and the purchase price. Not every municipality offers this.

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Starter loan
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Reviews 9.5 / 9.8

What is a start-up loan?

The Starter Loan is a supplementary loan provided through the Stimuleringsfonds Volkshuisvesting (SVn), on behalf of your municipality. It bridges the gap between your maximum mortgage and the purchase price.

Your municipality determines whether you are eligible and under what conditions. Not every municipality participates, and the conditions vary. Therefore, always inquire with your own municipality.

Starter loan

More about Starter loan

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Interest rates and conditions vary by lender.
Application via the provider
Advice, assessment, and processing are handled entirely through the lender.

How does it work?

The Starter Loan is added on top of your regular mortgage and bridges the gap with the purchase price.

In addition to your mortgage

The Starter Loan is added on top of your regular mortgage and bridges the gap with the purchase price.

Through the municipality

Your municipality determines whether the scheme exists and what conditions apply.

First years

In the initial period, you typically pay no or a lower monthly installment. After that, you start paying off the principal.

Assessment

An income test also applies to the Starter Loan.

Combination with NHG

The standard mortgage is often taken out with NHG.

Limited budget

Municipalities make a budget available that may run out.

What do you look out for?

✓Inquire first at your municipality whether the scheme exists and what the conditions are.
✓The loan is additional: you also need a regular mortgage.
✓After the You will start making repayments during the start period. — reken door of dat past in uw budget.
✓There is often a maximum purchase price and a maximum loan amount.
✓It municipal budget can run out; be there on time.

Frequently asked questions about the starter loan

What is a start-up loan?
An additional loan provided on behalf of your municipality through the Stimuleringsfonds Volkshuisvesting. The loan bridges the gap between your maximum mortgage and the purchase price.
Am I eligible?
That is determined by your municipality. Not every municipality offers the scheme, and the conditions vary by municipality. Therefore, inquire with your own municipality.
Do I pay interest and principal immediately?
In the initial period, you typically pay no or a lower monthly installment. After that, you start paying off the loan. Calculate in advance whether that payment is manageable.
Can I combine the Starter Loan with NHG?
In this structure, the standard mortgage is often taken out with a National Mortgage Guarantee. The precise conditions are set out in the municipal regulations.
Is there a maximum purchase price?
Municipalities generally apply a maximum purchase price and a maximum loan amount. These limits vary by municipality.
What if the budget runs out?
Municipalities make a limited budget available. If that is exhausted, you can no longer submit an application until new budget is available.
Starter loan

Compare starter loans via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about Starter loan

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“In één overzicht zag ik welke geldverstrekkers bij mijn situatie pasten. Prettig dat het To compare zelf niets kost.”

M
Maarten H.
Mortgage orientation

“Overzichtelijk opgezet en zonder verkoopverhaal. De uitleg over rentevaste periodes was helder.”

J
Jasper D.
Refinancing mortgage

“Fijn dat de kosten en voorwaarden naast elkaar stonden. Ik wist daardoor welke vragen ik moest stellen.”

M
Maarten R.
To compare

“Als zelfstandige dacht ik dat It lastig zou worden. It overzicht liet zien welke partijen hiermee werken.”

M
Marit T.
Mortgage for self-employed

More about mortgages

View the other sections within mortgage.

Mortgage →

From calculating your maximum mortgage to refinancing and withdrawing equity.

Maximum mortgage →

How much can you borrow for a home?

Compare mortgages →

Interest rates and conditions vary by lender.

Oversluiten →

Are you paying a higher interest rate than is currently customary?

Overwaarde opnemen →

Is your home worth more than your mortgage debt?

Aflossingsvrij →

With an interest-only mortgage, you only pay interest.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Opstalverzekering →

Mandatory with virtually every mortgage: coverage for the building.

Woonhuisverzekering →

Damage to your home caused by fire, storm, or water.

Inboedelverzekering →

Your belongings insured against fire, theft, and water damage.

Calculate your regular mortgage first

The Starter Loan is supplementary. First calculate with our partner what you can borrow through regular means.