Buying your first home

Exciting! I'll make sure you don't miss anything and know what to expect.

Buying your first home

You are going to buy your first house. A very exciting time and decision. We can imagine that you would like someone who can guide you through this process. Bouvy Advies does this weekly so you are in good hands. I make sure that you do not overlook anything, do not miss any opportunities and I always know a few extra possibilities.

A step-by-step plan for buying your first home; what to consider

First it is important to know how much you can borrow. This depends on a number of factors. For example, have you saved, are you going to buy alone or with a partner. And in some municipalities, for example, you can qualify for a starter loan. And there are even more factors and possibilities.

Take contact for an initial, no-obligation consultation and we will find out exactly what you need.

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Mortgage advice and closing costs

Are you about to buy your first home? In this all-in package we arrange everything for you and make sure you know what to expect, so that you will soon be the proud owner of your first home and mortgage.

The rate for mortgage advice for starters is € 2,150.

This includes:

Preliminary consultation interview
Mortgage closing costs
Independent insurance advice and insurance policies

Expert advice tailored to your needs

Everything arranged for you

We compare more than 30 lenders and insurers

The costs are deductible

Bouvy Pre-advice: Personal advice before you buy

Once you know what you can borrow, you can start looking for houses. Although Funda is of course a great source of inspiration, you often see that people are often just too late. That is why we always advise a purchasing agent to enable.

Afterwards, a possible bid are issued. This is very important. If you are buying a house for the first time and borrowing this money, always take the option of financing reservation. It may also be that renovations still need to be done and that we need to co-finance a construction deposit. You may also want to make the house energy neutral. You can often borrow more if it concerns energy-saving measures.

Taking out your mortgage

If the offer is accepted, we can discuss together what the smartest thing to do is when it comes to taking out your first mortgage. A longer fixed-interest period or a shorter, linear or annuity repayment. Probably a bank guarantee and a valuation will also have to be arranged. We will take care of all this for you.

An appointment is then made with the notaryThis ensures that the house is transferred to your name and that the money goes to the seller.

Take contact for more information, questions and doubts and we will look at your options together.

Starters have a hard time on the housing market. Every bit of help can be useful. Maybe your parents are able and willing to help you buy your first home. Read here about the options for you and your parents.

A global step-by-step plan for buying your first home

Step 1. How much can you borrow?

First, it is important to know how much you can borrow. This depends on a number of factors. You can make an indicative calculation, but I always recommend making an appointment with me. This is without obligation and I ensure that you do not overlook anything and do not miss any opportunities.

Step 2. House hunting

Then you go house hunting. Although Funda is of course a great source of inspiration, you often see that people are often just too late or lack crucial knowledge. We therefore always advise to engage a purchasing agent.

Step 3. Submit a bid

After that, an offer can possibly be made. This is very important. If you are buying a house for the first time and borrowing this money, always take the option 'subject to financing'. It is also possible that renovations still need to be done and that we need to co-finance a construction deposit. You may also want to make the house energy neutral. You can often borrow more if it concerns energy-saving measures. So get advice!

Step 4. Arrange financing

If the offer is accepted, we can look together at what is the smartest thing to do. A longer fixed-interest period or a shorter one, linear or annuity repayment. A bank guarantee and a valuation will probably also have to be arranged. We will take care of all this for you.

Step 5. Notary

An appointment is then made with the notary. This ensures that the house is registered in your name and that the money goes to the seller.

Independent and tailor-made advice

Please contact me to discuss which mortgage suits you best.