Buying your first home, step by step
As a first-time buyer you have specific questions and specific opportunities. Vynanzie knows them all and guides you personally — from orientation to handover of the keys.
Why Vynanzie
Our advantages for first-time buyers
Free bid certificate
We issue an official bid certificate that makes you look more serious to sellers. This significantly increases your chances of having your offer accepted in a competitive market.
Bid insurance
Through our partners you can insure against the costs if your bid is accepted but the financing unexpectedly falls through. Bidding without financial risk.
Collaboration with local estate agents
We connect you with reliable buying agents in the area, so you are strong in negotiations and in the financing. One trusted network for the entire process.
We compare more than 20 lenders to find the lowest rate and best terms for your situation.
Free introductory meeting
No obligations. We listen to your situation and immediately give you insight into your options.
Your advantages
Advantages as a first-time buyer in the housing market
Starter exemption from property transfer tax
Buyers up to age 34 pay no property transfer tax on homes up to €525,000 (2025). This saves you thousands of euros directly on purchase costs.
National Mortgage Guarantee
With NHG you have a safety net in case of income loss and you benefit from an interest rate discount of 0.3–0.6% on your mortgage. Less risk, lower monthly costs.
Getting on the property ladder sooner
The earlier you buy, the earlier you build equity. As a first-time buyer you benefit maximally from future value increases and build personal wealth that works for you.
Vynanzie is completely independent from lenders and banks. Our advice is always exclusively in your interest.
Calculate your mortgage
Use our free calculator for an initial estimate of your maximum mortgage.
Schedule a meeting
Book a no-obligation appointment
In 45 minutes we will identify which mortgage suits your situation, free and without obligations.
- Free and no-obligation
- Online or at your home
- Instant confirmation email
- AFM certified advice
How would you like to meet?
Choose the option that suits you best.
Frequently asked questions
Everything first-time buyers want to know
How much savings do I need as a first-time buyer?
You can borrow up to 100% of the property value. The additional costs — notary fees, valuation fees and advisory fees — you pay yourself. Expect 2 to 5% of the purchase price. Do you qualify for the starter exemption? Then property transfer tax is waived, which makes a significant difference.
What is the starter exemption and how do I apply?
The starter exemption applies to buyers up to age 34 for a property up to €525,000 (2025 limit). You do not need to apply separately — the notary processes this automatically at the transfer of ownership.
Can I get a mortgage with a temporary employment contract?
Yes. With a letter of intent from your employer or an income forecast, a mortgage is in many cases very possible. We know which lenders handle this smoothly and will guide you completely.
What is a bid certificate and why do I need it?
A bid certificate is an official statement from your mortgage advisor that your financing up to a certain amount is achievable. It strengthens your position when making an offer, because the seller knows you are financially serious — even before a formal application.
What is NHG and what are the concrete benefits?
National Mortgage Guarantee is a government safety net. In case of unexpected income loss (redundancy, divorce, disability) NHG can provide support. In addition, many lenders offer an interest rate discount of 0.3–0.6% with NHG. The cost limit in 2025 is €435,000.
How long does it take from orientation to handover of the keys?
After signing the purchase contract, the notarial transfer takes an average of 6 to 10 weeks. The mortgage application itself takes Vynanzie typically 5 to 10 working days. The earlier you talk to us, the smoother the timeline management.
Newsletter
Mortgage news
straight to your inbox
Receive monthly insights on mortgage rates, regulations and housing market developments.
No spam. One email per month. Unsubscribe anytime.