A mortgage for your first home
Buying your first home involves many moving parts. What is your budget? Do you prefer an existing property or a new-build? What are the additional costs (Kosten Koper)? How do you place a winning bid? Hanno guides you through everything you need to know when buying your first home in the Netherlands.
Step into the Dutch housing market with confidence
Navigating the fast-paced Dutch housing market as a first-time buyer can feel incredibly overwhelming, especially when you are suddenly faced with strict bidding rules and confusing local terms like Kosten Koper (the mandatory 3-5% closing costs you must pay out of pocket) and hypotheekrenteaftrek (tax deductions). In today's highly competitive market, hesitating or misunderstanding these financial rules means you risk losing your dream home on Funda to a faster, better-prepared buyer. You simply cannot afford to start viewing properties or placing bids without knowing your exact financial boundaries; mapping out your maximum mortgage, understanding the necessary savings, and getting your financial plan sorted today is the critical first step to securing a winning bid before someone else does.
Webinar: Buying your first home
Join our webinar and learn from our mortgage advisors:
- How much you can borrow for your mortgage
- All the essential steps in the home-buying process
- Smart tips and expensive pitfalls to avoid
Increase your chances of an accepted bid
Hanno Mortgage Promise (HypotheekBelofte) Want to stay ahead of the competition during your house hunt? Make an offer backed by the Hanno Mortgage Promise. This document confirms the maximum mortgage amount you can secure, giving the seller the certainty that you can afford the property.
Buying first house. Happy customers.
Why choose Hanno for your first mortgage?
Personalized Advice
Buying your first home is a major milestone. We’ll discuss your situation in a relaxed setting. We offer personal advice online via phone or video call.
43+ Providers
Hanno is 100% independent and compares almost all lenders. This ensures our advisors find the best mortgage fit for your first home.
Transparent Fees from €1,995
Because Hanno provides smart, digital-first mortgage advice, we cut out the unnecessary paperwork. This results in fair fees.
How much can you borrow for your first home?
Calculate your mortgageSecure your first mortgage in 5 steps
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1. Determine your maximum mortgage
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2. Bid with the Hanno Mortgage Promise
Increase your chances of securing the property at the right price.
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3. Your personal financial and mortgage plan
We look at your overall financial situation first, then find the right mortgage.
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4. Selecting a lender
Based on your plan, we choose the provider that offers the best terms and rates.
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5. Mortgage finalized and maintained
We handle your mortgage from A to Z and ensure it stays optimized for your future.
Frequently Asked Questions
Your maximum mortgage depends on your gross income, your partner's income, and any outstanding debts (like student loans or credit cards). Generally, you can borrow up to 100% of the property's market value. Use our [mortgage calculator] for a quick estimate.
While you can borrow 100% of the house value, you need your own savings to cover the "closing costs" (Kosten Koper). These usually amount to about 3-5% of the purchase price and include things like transfer tax, notary fees, and mortgage advice.
The Hanno Mortgage Promise is a document issued by your advisor that confirms your financial capacity. It gives sellers and real estate agents the certainty that you can actually afford the house, which significantly increases your chances of having your bid accepted.
In the Netherlands, a bid is not just about the price. It also includes "resolutive conditions" (ontbindende voorwaarden), such as a financing clause or a technical inspection. Our advisors can help you determine the best bidding strategy.
To qualify for interest tax deduction (hypotheekrenteaftrek), most first-time buyers choose between an Annuity Mortgage (fixed monthly payments consisting of both interest and principal) or a Linear Mortgage (monthly payments that decrease over time).
NHG is a protection scheme that covers your mortgage debt if you are unable to pay due to unforeseen circumstances (like disability or involuntary unemployment). It often results in a lower interest rate from the bank because it reduces their risk.
Unlike a bank, we compare over 43 different lenders. This means we don't just look at one product, but find the lender with the lowest interest rates and the best terms for your specific situation.