Buying your first home: frequently asked questions -

How old do you have to be to buy a house?

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.

How does buying a house work as a first-time buyer?

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.

What are the costs of buying a house?

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.

What will your advice and mediation cost me?

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!

Are the costs for your advice and mediation tax deductible?

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

Are there any conditions for buying a house as a first-time buyer?

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.

Can I buy a house with a BKR registration?

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.

Can I get a mortgage without a permanent contract?

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.