Buying your first home

You are about to buy your first home! Super exciting, isn't it? At Crefin & Partners, as mortgage advisors, we help you make everything surrounding the purchase of your first home clear and organized.

From choosing the right mortgage to a clear step-by-step plan for your dream home. Are you ready? Then make an appointment now for a free, no-obligation consultation with our mortgage advisor!

Mortgage options for first-time buyers
As a first-time buyer, you mainly have a choice between two popular mortgage types. We will explain them simply and clearly:

Annuity mortgage
With this type, you pay a fixed total amount every month, consisting of both interest and principal repayment. Initially, the largest portion goes towards interest, but as you repay more, it shifts increasingly towards principal repayment. This provides a great deal of certainty, as your monthly payments remain predictable for the duration of your fixed-rate period.

Linear mortgage
With this type, you repay a fixed amount every month. Because your debt decreases as a result, you also pay less and less interest. The result: your monthly payments gradually decrease as the years go by. Unsure which of the two best suits your situation?

Our mortgage advisor will explain everything clearly and work with you to determine which mortgage best aligns with your income and future plans.

Buying your first home: a step-by-step plan

We make buying your first home as easy as possible. This is the step-by-step plan:

Before you start viewing houses, it is smart to know how much you can borrow and what your monthly payments will be. Do you want a new-build home or an existing house? Our Mortgage Advisor will help you map this out free of charge and without obligation during a initial consultation. This way, you know exactly where you stand.

Do you know your budget and housing preferences? Time to start looking for your dream home! You can go out on your own, but a buyer's agent can help you find the best deals. Visit multiple houses to discover what is truly important to you, such as the neighborhood, the size, or a house that is ready to move into.

Found what you're looking for? Then it's time to make an offer. Don't start with your maximum price right away, so you leave room to negotiate. Exciting? Absolutely! Our Mortgage Advisor gives you tips on making a smart offer and guides you through every step.
Has your offer been accepted? Congratulations! Now we will finalize the mortgage. At Crefin & Partners, we compare offers from 40 banks to find the mortgage that suits you. We discuss everything: from the fixed-rate period to what happens in unexpected situations such as illness or death. You provide the necessary documents, we do the rest.
As soon as everything is finalized, you will receive the mortgage offer. This is the official offer from the bank. After signing the mortgage offer, the time is almost here: your house in Vorstenbosch or the surrounding area is getting closer and closer!
At the notary, you sign the deed of transfer and the mortgage deed. As soon as that is done, the house is officially yours. Time to get the moving boxes ready!

Yes, you have the key to your first house! Time to toast and enjoy your new home.

How much does it cost to buy your first house?
Buying your first home involves various costs. These include mortgage advice, notary fees, valuation, and potentially a buyer's agent. At Crefin & Partners, you pay a fixed, transparent price for our advice, with no surprises afterwards. Good to know: these advisory fees are tax-deductible! Want to know exactly what to expect? Check our rates page or ask during your free consultation.

Buying your first home: frequently asked questions

You must be at least 18 years old to buy a house. Furthermore, it depends on your income, savings, and whether you are buying alone or together. Our Mortgage Advisor at Crefin & Partners calculates for free how much you can borrow.

Start by determining your housing preferences and budget. Then, start looking for a house, view multiple options, and consider having a structural inspection carried out. If your offer is accepted, sign the purchase contract (with a three-day cooling-off period). Finally, arrange the mortgage and go to the notary. Crefin & Partners provides full guidance so that you can buy your first home worry-free.

In addition to the purchase price of the house, you pay costs such as mortgage advice, notary fees, valuation, and possibly transfer tax (for houses above € 440,000). You cannot include these costs in your mortgage financing.

With us, the first consultation is always free and without obligation. For our complete advice and mediation, you pay a fixed price, which you can find on our rates page. Transparent and without surprises!

Yes, the costs for our mortgage advice are tax-deductible via income tax. That saves you money!

The most important conditions are whether you can afford the house and whether the seller accepts your offer. After signing the purchase contract, you have a three-day cooling-off period to withdraw without giving a reason. Our Mortgage Advisor recommends including resolutive conditions, such as a financing contingency or a structural inspection, for extra security.

A positive BKR registration is usually not a problem. Do you have a negative registration (for example, due to payment arrears of more than 120 days)? Then it can be difficult to obtain a mortgage. Our Mortgage Advisor will explore the possibilities with you.

Certainly! Even without a permanent contract, there are options, depending on your income and situation. Crefin & Partners, your Mortgage Advisor, reviews what is possible and compares offers from 35 banks to find the best deal.