Calculate your starter loan.
Just short of enough mortgage for your first home? See whether a Starter Loan can bridge the difference.
What is a Starter Loan?
The Starter Loan (Starterslening) is an extra loan on top of your regular mortgage, made specifically for first-time buyers on the housing market. It bridges the difference between the amount you can borrow at most from the bank and the purchase price of your first home. That way, a house that was just out of reach becomes achievable after all.
The Starter Loan is offered by municipalities through the Stimuleringsfonds Volkshuisvesting (SVn). Not every municipality takes part, and the conditions differ from one municipality to another. So it is important to check whether your municipality offers the scheme and which limits apply.
How does it work?
The Starter Loan is a second loan taken out alongside your main mortgage. What makes it special is the repayment: for the first three years you pay no interest and no repayment. After that period, it is assessed whether your income allows you to start paying. If your income is still too low, you can request a reassessment and the payment is (partly) postponed.
The interest rate is fixed for the first fifteen years. Because the Starter Loan is often taken out together with the National Mortgage Guarantee (NHG), you usually benefit from a favourable interest rate.
Conditions for the Starter Loan
Your municipality sets the exact conditions, but these are the most common starting points:
- You are buying a home for the first time (you are a first-time buyer).
- The home is located in a municipality that offers the Starter Loan.
- The purchase price stays below the maximum purchase sum your municipality applies.
- You take out the main mortgage with NHG.
- The size of the Starter Loan is capped, often as a percentage of the purchase price.
How much extra can you borrow?
How much you can borrow through the Starter Loan depends on the difference between your maximum mortgage and the purchase price, and on the limits your municipality sets. With the calculator at the top of this page you quickly get a first indication of your options.
Keep in mind that the Starter Loan affects your total monthly costs once the interest-free period has ended. An independent adviser can calculate exactly what this means for you in the long term.
Is a Starter Loan right for you?
A Starter Loan is worth considering if you have a stable income that is expected to grow, and you just need that final push to be able to buy your first home. Because your costs are lower in the first years, you get the room to ease into owning a home.
Want to know whether the scheme is available in your municipality and what suits your situation best? Calculate your options above and then request advice with no obligation from an independent mortgage adviser.
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We calculate using the 2026 Nibud standards and the current rates of more than 40 providers.
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- Your maximum mortgage amount
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- Whether NHG is achievable for your situation
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