Slimmer Kopen Concept

The Slimmer Kopen Concept helps first-time buyers with limited financial resources purchase a home that would otherwise be out of reach.

But when is this buying concept actually a smart choice?

Is the Slimmer Kopen Concept right for you?

High property prices, rising monthly costs and financial uncertainty often prevent people from buying a home in the Netherlands. Does this sound familiar? If so, the Slimmer Buying Concept could be a smart solution, especially for first-time buyers and expats.

With this scheme, you can purchase a home at a discount of up to 25% on the market value, making homeownership more accessible.

Reduced purchase price on new and existing homes

The Slimmer Kopen Concept is offered by selected Dutch housing associations. Homes with the Slimmer Kopen label, both existing properties and new-builds, are sold at a reduced market value.

The housing association sets the maximum discount, but you decide how much of that discount you use. Available homes are usually listed on the websites of the participating housing associations.

Who can apply?

The Slimmer Kopen Concept is open to everyone, regardless of income level. Of course, you do need sufficient income to qualify for a mortgage.

This makes the scheme particularly attractive for expats who may have stable income but limited savings when entering the Dutch housing market.

Buying with clarity and confidence

When buying a Slimmer Kopen home, there are no surprises. You receive clear information about the property, including a valuation report outlining its condition and quality.

There is also a five-day cooling-off period. If you change your mind after signing, you can withdraw from the purchase without financial or legal consequences.

Full ownership, with fair conditions

You become the full legal owner of the property. This means you can deduct mortgage interest, build equity as the property increases in value, and freely adapt the home to your needs.

If you decide to sell the property in the future, the home is first offered back to the housing association. After an independent valuation, you receive your original purchase price plus a share of any value increase. The size of this share depends on the discount you chose at purchase.

If the property decreases in value, that loss is also shared, providing an added sense of financial security.

Improvements are fully yours

Any improvements you make yourself, such as a new kitchen, bathroom, heating system or an extension, are excluded from the value-sharing calculation. The added value of these improvements is entirely yours.