Starter loan

How the Starters loan works  

The Starterslening is a helping hand for first-time buyers on the housing markt. The municipality of Voorschoten thereby makes buying a first home possible. How does this supplementary lening work? EN where do you apply for the Starterslening? We have outlined it for you. 

The Starterslening is a supplementary lening 

The Starterslening is a supplementary lening on top of the regular (first) mortgage. This supplementary lening can bridge the gap between the maximum mortgage provided by a bank and the amount needed to purchase the first home.

You apply for the Starterslening with the municipality 

You apply for the starterslening with the municipality using the digital application form. You will receive a decision on your application within 4 to 8 weeks. The incentive fund administers the starterslening. With the positive decision, you can apply for the starterslening at SVn. SVn performs the financial assessment and makes a decision on whether or not to grant the starterslening and determines the amount of the starterslening.

For up-to-date information about the Starterslening, please visit www.svn.nl. 

The Starterslening consists of two parts

The 'Loan to value' (the ratio between the loan and the value of the home) is limited to 100% of the purchase price or (appraised) value of the home. A (mortgage) box 1 loan that you repay on an annuity basis and an increasing box 3 loan. We call the box 3 loan the Combination Loan. For both loan parts, you have no monthly payments for the first 3 years. You 'pay' the repayment of the Starterslening for the first 3 years with the Combination Loan. As a result, the Combination Loan always increases during the first 3 years. After this 3-year period, you (in principle) pay interest and principal. At the moment you pay the full interest and/or principal, you pay off both the Starterslening and the Combination Loan.

The Starterslening is guaranteed by the Home Ownership Guarantee Fund (WEW) 

The WEW guarantees the box 1 loan. The Combination Loan is not covered by the WEW guarantee. In the event of a loss declaration with the WEW, SVn covers the remaining Combination Loan.

You can repay the Starterslening without penalty 

You can always make extra repayments. This costs nothing, and you do not have to pay a penalty. You simply transfer the amount you want to repay to SVn and they will do the rest. Please always state your loan number.

Would you like to apply for a Starterslening? Read more on the website of SVn or watch the video about the Starterslening.

In connection with privacy legislation, correspondence regarding the application will only be conducted with the applicant (buyer of the home), not with the financial advisor/mortgage lender or third parties.

How does it work?

Who is the Starterslening intended for?


For young starters who cannot secure financing for the purchase of their first home, the municipality offers a solution through the Starterslening. The maximum starterslening is € 35,000.00. You can only submit the application when you are going to buy a home and have an agreement on the purchase price. You can submit the application in advance and submit a signed purchase agreement within 2 weeks.

If you meet all the Requirements, you can submit the online application form for the Starter Loan.

  1. Are you buying a home for the first time? This criterion applies to both applicants.
  2. Are you between 18 and 35 years old? The age requirement applies to both applicants.
  3. Have you lived consecutively within the municipality of Voorschoten for at least five years, or have you lived within the municipality for at least five consecutive years? Applies to one of the applicants.
  4. The total acquisition costs for the home do not exceed €450,000 (mortgage with NHG). For homes where investments are made in energy-saving measures, the NHG cost limit rises to a maximum of €477,000

What to do?

You, the buyer(s) of the home, apply for a Starter Loan by filling out the online form (via DigiD). Based on the information you provide, we will determine whether you meet the eligibility criteria ( Requirements). If you meet the eligibility criteria ( Requirements ), you will receive a notice of approval by mail and email.

If you do not meet the requirements set out at Requirements , you will receive a notice of denial.

Due to the short processing times, this application can only be submitted by the applicant of the Starterslening and not by intermediaries and/or third parties (such as a financial advisor, mortgage lender).

How long does it take?

If you submit an application, you will receive a confirmation of receipt within two weeks.

Within eight weeks of receiving a complete application, you will receive an allocation decision or rejection decision.

Please note that the entire application procedure for a Starterslening takes approximately three months.

Extra information

All communication regarding your Starterslening application goes through SVn. They also determine the amount of the Starterslening. If you want to borrow a lower amount (i.e., a deviating amount), you must communicate this directly with SVn so that they can take this into account.

Arrange it online right away

The Municipality of Voorschoten uses DigiD. Would you like to know more or apply for a DigiD? Please visit www.digid.nl

Before filling out the online form, it is advisable to be familiar with the NHG standards.

DigiDStarter loan application form with DigiD

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