Buying a first home is exciting. Who are we kidding? It's really exciting! From envisioning your dream home to signing the mortgage deed: it's a lot to deal with. You'll undoubtedly have a lot of questions. Fortunately, the Kredieter is here to answer your questions and guide you through the process. Are you a starter who's looking to buy an (existing) home for the first time? We take you through the various steps of the purchase and mortgage procedure. This is how it works:

Step 1 - Intake

Have you made an appointment for an intake with a financial advisor? Then the first step has been taken! Together with the advisor you discuss the possibilities and look at your options in terms of finance, as well as what you are looking to spend. So, think carefully yourself - before you meet with the advisor – how much you can afford per month. Keep in mind your lifestyle, hobbies and the things that you still want to be able to do, besides living in your house.

Step 2 - Gathering documentation

Once it's been established, during the conversation, that there are possibilities based on income, we can start collecting all the necessary documents to map out your situation. This includes passport, salary statement, employer statement and employment contract. This way your mortgage application will run smoothly. You will ultimately receive customised advice, in which we not only look at the mortgage, but also assess risks of death, incapacity to work, unemployment and any consequences in terms of your retirement age.

Step 3 - Looking for your dream home

The search for your dream home can begin! We recommend doing this together with a real estate agent. Definitely not a luxury in this hectic housing market. Once you've found a house that matches your financial situation and makes your heart beat faster? Then it's time to make an offer.

 Step 4 - To the solicitor