The Starter Loan

The Starter Loan helps first-time buyers bridge the gap when a home is just out of reach. It allows you to responsibly borrow a little extra, making that one special property you’ve seen suddenly affordable.

How the Starter Loan works

The Starter Loan consists of two separate loan parts that work together:

The Starter Loan
This part is repaid on an annuity basis.
The Combination Loan
This part increases during the first phase of the loan.

No monthly payments for the first 3 years

What makes this construction particularly attractive is that you have no monthly payments during the first three years. During this period, you pay no interest and no repayment on either loan part.

What happens after the first 3 years?

During the first three years, the repayment of the Starter Loan is effectively covered by the Combination Loan. As a result, the Combination Loan always increases during this period.

After three years, you will usually start paying interest and repayment. From the moment you pay interest and/or repayment, both the Starter Loan and the Combination Loan are repaid simultaneously.

Want a clear explanation?

Below, you’ll find a short video that explains how the Starter Loan works in a simple and visual way—ideal if you’re new to the Dutch housing market.

Is a Starter Loan available in your municipality?

Not every municipality in the Netherlands offers a Starter Loan. Availability depends on where you plan to buy a home.

Use the link below to check whether you can apply for a Starter Loan in your municipality. When searching, always use the name of the municipality where you intend to purchase the property.

Check here whether a Starter Loan is available in your municipality.