As a first-time buyer in the 2025 housing market, you face challenges, but there are also solutions. You deserve a solid foundation on which to build your future, and with the right approach, that is possible.
More opportunities for first-time buyers
The housing market now offers more opportunities, primarily due to changes in regulations. Homes that were previously bought up by investors are becoming available to first-time buyers again. This creates space in the segment up to €350,000, exactly what you are looking for. With falling interest rates, now is the time to strengthen your position.
“The housing market is breathing again, and you can benefit from that.”
First-time buyers vs. next-time buyers: an unequal struggle
Although there are more possibilities, you continue to compete with people moving from one owner-occupied home to the next. They often have home equity and favorable interest rates. This means you must be well-prepared and act strategically.
“To win in a competitive market, you must be smart and determined.”
However, you are not alone. With a strong financial plan and the right support, you can make the difference.
Help from parents: the key to success
Financial assistance from family is becoming increasingly creative. Gifts, loan-gift constructions, and utilizing home equity are powerful means to support you. For example: parents can use their equity to create extra mortgage capacity and thus make your purchase possible.
“Your future is worth the investment. Together you are stronger.”
Tailor-made mortgages
In complex situations, such as a temporary contract or being self-employed, it is important that your potential is recognized. There are institutions that look ahead to your growth opportunities and offer customized solutions. Consider, for example, a mortgage based on your current income or an innovative calculation method for entrepreneurs.
“No permanent contract? No problem. Your ambition determines the path.”
The power of together: multi-generational homes
Consider a joint purchase, such as a multi-generational home. With multiple applicants, you can not only borrow more but also build a solid future together. Customization is crucial here to make the most of your situation.
Advice: your ally
An expert advisor is indispensable. With our strong financial foundation and as your partner who thinks in terms of possibilities, you can overcome obstacles. Enlist our professional help and work with a party that puts your interests first.
You face a challenge, but also an opportunity. With strategic choices, the right support, and your determination, you can create a place that is truly yours. It is up to you to take control and shape your future. Our mortgage advisors Klaas and Jos are here for you.
“The path to your home begins with a plan. Take the first step, and build your future.”
Klaas Schippers
Independent mortgage advisor
