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- Loan for starters
Loan for starters
Are you buying your first home but can’t borrow enough through a regular mortgage? Then apply for a Starter Loan. This loan is a second mortgage that supplements your main mortgage.
- The interest rate is fixed for 15 years
- The loan term is up to 30 years
- Available for both newly built and existing homes
Are you eligible?
You may qualify for the Starter Loan if:
- You are buying your first home
- Your mortgage falls under the National Mortgage Guarantee (NHG)
Apply online (only in Dutch)
You can submit your application using the online form (with DigiD). Click the button below to get started.
Start your application (DigiD)
The maximum Starter Loan amount is €50,000 for homes with a purchase price of up to €450,000 (NHG limit as of 1 January 2025).
The exact loan amount depends on your income.
You can view the current interest rates on the SVn website: View interest rates on SVn.nl
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You do not pay interest or repayments during the first 3 years
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After 3 years, SVn will review your financial situation
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Depending on the outcome, you may start paying interest and repayments
- You must apply for an eligibility decision from the Municipality of Helmond.
- With your application, include a preliminary purchase agreement for the home you intend to buy.
- You will receive an email confirmation of your application
- We assess your application within 8 weeks
- If your application is incomplete, processing may take longer
- If approved, you will receive an eligibility decision from the municipal executive (mayor and aldermen)
- After that, you apply for the Starter Loan directly with SVn
– Instructions will be included in the eligibility letter - SVn performs a financial check
- If approved, you will receive a loan offer from SVn
Please contact Ms. Romonesco:
Call: 14 0492
Email: gemeente@helmond.nl