First-time home buyers

Get extra support when buying your first home

Buying your first home in the Netherlands can be challenging, especially when house prices continue to rise. Depending on your situation and where you want to live, there may be programmes that help reduce the amount you need to borrow or make home ownership more accessible.

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How can these programmes help?

Buy with less savings

Some programmes help reduce the amount of money you need when buying your first home, making home ownership more accessible for first-time buyers.

Increase your buying power

Certain schemes can help bridge the gap between the mortgage you can obtain and the purchase price of the property you want to buy.

Explore local opportunities

Support programmes vary by municipality and housing organisation, so available options depend on where you want to buy your home.

Check if you qualify

Fill in your details and our advisers will review whether programmes such as Starterslening, Koopgarant or Slimmer Kopen may be available for your situation. We will contact you personally and explain your options in your own language.

Available first-time buyer programmes

Starterslening

A Starterslening is an additional loan designed for first-time buyers. It helps bridge the gap between the mortgage you can obtain and the purchase price of the property you want to buy.

Depending on the municipality, special conditions may apply. In some cases, buyers pay no interest or repayments during the first years of the loan. The scheme is designed to make home ownership possible for people who would otherwise fall just short of the required budget.

Koopgarant

Koopgarant allows eligible buyers to purchase a property at a discounted price. This reduces the mortgage required and can lower monthly housing costs.

When the property is sold in the future, agreements apply regarding how increases or decreases in value are shared. This makes home ownership more accessible while keeping homes available for future buyers.

Slimmer Kopen

Slimmer Kopen is a programme offered by participating housing organisations that allows buyers to purchase selected properties with a discount.

Because the purchase price is lower, the required mortgage is often lower as well. The buyer becomes the full owner of the property while benefiting from a more affordable purchase price.

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Which programme is right for you?

The availability of these programmes depends on your municipality, the property and your personal situation. Domek helps you understand which opportunities may be available and whether you qualify.

→ Check if I qualify

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Why choose Domek

We speak your language

We offer personal support in 12+ languages.

Since 2005

Supporting internationals with home purchase and financing in the Netherlands and Belgium for many years.

Independent mortgage advisor

We compare multiple banks to secure the best deal for your situation.

We’re happy to help

Do you have any questions? Contact us via email or give us a call — our team is here for you every step of the way.

Send email info@domek.nl

Call us +31 88 1021 500

A Starterslening is an additional loan that helps first-time buyers bridge the gap between the mortgage they can obtain and the purchase price of a home. Depending on the municipality, special conditions may apply that make buying a first home more accessible.

In some cases, yes. Eligibility depends on the specific programme, the municipality and your personal situation. Domek can help you check which schemes may be available to you.

Starterslening provides additional financing on top of your mortgage. Koopgarant and Slimmer Kopen offer selected properties at a discounted purchase price. Which option is available depends on the property and municipality.

No. Availability differs throughout the Netherlands. Some municipalities offer Starterslening programmes, while others work with housing organisations that offer Koopgarant or Slimmer Kopen properties.

Yes. A Starterslening is designed to work alongside your mortgage and can help increase your buying possibilities when your mortgage alone is not sufficient.

Qualification depends on factors such as your income, age, the municipality, the purchase price of the property and the specific programme. Domek can help you check your eligibility.

Yes. We help you understand the available options, check whether you qualify and guide you through the application process step by step.

Yes. Domek supports internationals in more than 11 languages and explains every step of the process clearly, so you fully understand your options before making a decision.

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