Benefits of buying your first home in 2025
Are you a starter and dreaming of buying your first home? In 2025, there are more opportunities than ever to realize your housing dream. Thanks to new regulations and financial benefits, buying a home will not only be easier, but also more affordable. This means you have more room to invest in your future. Find out below how you can take advantage of these unique opportunities:
- No transfer tax thanks to start-up exemption
- Extra borrowing space through the start-up loan
- More security with the National Mortgage Guarantee (NHG)
- Borrowing extra with a better energy label
- Higher borrowing capacity for singles
- Discounts through the National Purchase Fund
- Less weighting of student debt
- Mortgage without a permanent contract possible
- Affordable mortgage advice especially for first-time buyers
1. Starter exemption transfer tax
Are you between the ages of 18 and 35 and want to buy your first home? In 2025, you can benefit from the starter's exemption transfer tax. This means that when you buy a home up to €525,000, you won't pay transfer tax. This regulation, which applies as a one-time exemption and quickly saves you thousands of euros. For example, are you buying a €400,000 home? Then you'll save as much as €8000! Please note that this exemption is a one-off, so it is important that you meet all the conditions to take advantage of this benefit.
2. Starter Loan
Want to borrow just that little bit extra to buy your dream home? The starters loan makes it possible! Many municipalities offer this loan, with which you pay no interest or repayment for the first three years. This gives you time to become more financially stable. Say your budget is €350,000, but your dream home costs €360,000. Thanks to the starter loan, you can bridge that difference.
Curious about the pros and cons of the start-up loan? Read our article and find out if this scheme is for you. Also check with your municipality whether this scheme is available and what the conditions are.
3. National mortgage guarantee (NHG).
With the NHG, buying your first home becomes a lot more secure. In 2025, the NHG limit is increased to €450,000, putting more homes within reach. This guarantee protects you in case of financial setbacks, such as unemployment or divorce. In addition, you often get a lower mortgage interest rate. Planning to make your home more sustainable? Then you can even borrow up to €477,000 with NHG conditions. A smart choice for first-time buyers looking for security and financial benefits.
4. Borrow more with better energy label
Are you buying a home with a good energy label, such as C, D or even A++++? In 2025, you can borrow extra on your mortgage application thanks to energy-saving measures. With an energy label C or D, you may borrow up to €5000 extra. For a home with an energy label A++++, that's even up to €50,000 extra! This not only gives you more financial room, but you also save on energy costs. So a house with a better energy label is an investment in your future and your wallet.
Want to know how much you can borrow extra for each energy label? Read our article on borrowing extra with good energy label and find out how to take maximum advantage of this scheme in 2025.
5. Increased borrowing capacity for singles.
Are you single and looking to buy a home? Good news! In 2025, with a gross annual income above €28,000, you can borrow up to €16,000 more. This makes it easier for a single person on the housing market to buy your first home. Combine this benefit with other schemes, such as the starter exemption, for an even better financial picture.
6. National Purchase Fund
With the National Purchase Fund, first-time buyers with an income below €65,000 can get a discount on the purchase of a new home. This is a unique opportunity to buy a new home that is sustainable and modern at a low cost. Check with your municipality or project developer to see if this scheme is available and how you can benefit.
7. Less weighting of student debt
Do you have student debt? In 2025, applying for a mortgage will become easier. Starting that year, only your current student debt will be taken into account instead of the original amount. This means you will be able to borrow more, especially if you have already paid off part of your student debt. Thus, buying a first home becomes much more feasible for you.
8. Getting a mortgage without a permanent contract
Do you work as a flex worker or self-employed person? Don't worry, by 2025 the rules will be more lenient, allowing you to get a mortgage without a permanent contract. Flexworkers and self-employed workers can qualify with a letter of intent from their employer or just one year's worth of annual figures. This gives young professionals without a permanent employment relationship the chance to buy their dream home without a permanent contract being an obstacle. These changes make applying for a mortgage more flexible and accessible than ever.
9. Mortgage advice is cheaper for first-time buyers
At homeup, we understand that first-time buyers are often on a tight budget. That's why we offer affordable and fully digital mortgage advice tailored specifically to your situation as a starter. This not only reduces costs, but also gives you access to professional advice without unnecessary fuss. That way you'll have more budget left over for the purchase of your first home, while making the right choices with certainty and confidence.
Buy your first home easily
Are you ready to take your first step into the housing market? At homeup, we make buying your first home easy, fast and affordable. We understand the challenges that first-time buyers face, such as little time, high costs and lots of uncertainty. That's why we offer a unique mix of personal guidance, digital tools and transparent pricing. This way you get the most out of your buying process.
What makes homeup unique for startups?
- Access to exclusive and public housing listings. In addition to homes on Funda and other platforms, homeup gives you access to our exclusive home listings. This means more choice and a better chance of finding your dream home.
- Online guidance and legal review. Our experts are there for you every step of the way, from finding a suitable property to checking legal documents. No stress, but complete certainty.
- Free mortgage consultation and mortgage certificate. With our mortgage certificate, you know in advance exactly what you can borrow. This gives you a strong position during negotiations.
- Pay only at key transfer. With homeup, you pay only when you get the key. You have no unexpected surprises and pay a flat rate of €2749.
What does homeup get you?
- Save time with digital tools that speed up the search process
- Save money with a flat rate of €2749, payable at key transfer
- Greater security thanks to guidance from our experts every step of the way
Want to buy your first home quickly and stress-free? Register for free and discover how homeup helps you make your housing dreams come true.
Want to know more about buying your first home in 2025?
Are you ready to buy your first home, but not sure where to start? No worries, we've put together all the information that will help you take this important step with confidence. From financial preparation and buyer costs to tips for viewings and taking out a mortgage. So you can take this important step with confidence.
Want to know exactly what's involved in buying your first home? On our page we clearly explain all the steps. You'll discover how to prepare optimally, get the most out of your budget and buy your first home without stress. Everything has been put together especially for first-time buyers, so that you won't encounter any surprises and can find your dream home with certainty.
Frequently asked questions about buying your first home
Curious about the answers to the most common questions about buying your first home? Whether you want to know more about tax-free gifts, the benefits of a starter mortgage, or what will change in 2025? We've listed everything for you below.
Our frequently asked questions will help you get started with clear and practical answers specific to startups. Is your question not among them? Then check out our other articles on buying your first home or contact us so we can help you further.
How much can I gift to my child tax-free in 2025?
In 2025, the specific exemption for donating money for a house, known as the "jubilee bonus," will be abolished. Parents can now make a one-time tax-free gift of up to €32,195 to their child, regardless of the spending purpose. The only conditions are that the child is between the ages of 18 and 40. In addition, there is an annual exemption of €6713 for gifts to children.
This gift can be used, for example, for the purchase of a house, remodeling or other expenses. Make sure the donation is in writing and that you meet the conditions of the Tax Office. For gifts above these exemptions, you will pay gift tax.
Is it wise to buy a house in 2025?
2025 can be an ideal time to buy your first home, especially as a starter. There are several schemes that make it attractive:
- Starter exemption transfer tax exempts homes up to €525,000 from transfer tax
- Increased NHG limit provides greater security for mortgages up to €450,000
- Extra loan facility of up to €50,000 for an energy-efficient house with energy label A++++
Whether buying a home is wise depends on your financial situation and housing needs. If you buy a house where you will live yourself, you can take full advantage of these arrangements. Want to know what is possible for you? Schedule a free mortgage consultation and find out your options.
What will change for startups in 2025?
In 2025, there are some important changes that will make buying a home easier for first-time buyers:
- The NHG limit is raised to €450,000, giving you more security when taking out a higher mortgage
- The starter transfer tax exemption remains available for homes up to €525,000, as long as you are between 18 and 35 years old
These changes make it easier for first-time buyers to buy their first home with more financial room and security.
What is the advantage of a starter mortgage?
A starter mortgage offers benefits designed specifically for people buying their first home. Here are the main benefits:
- Lower interest rates often tailored specifically for first-time buyers
- Flexible terms such as an additional loan amount or loan space for preservation
- National Mortgage Guarantee (NHG) for more security in financial setbacks
- Mortgage interest deduction that lets you take advantage of tax benefits
Want to know if a starter mortgage is right for you? Contact us and get advice tailored to your situation.
