In today’s housing market, first-time buyers face significant hurdles. While your income may be growing, the gap between your maximum mortgage and rising property prices can feel insurmountable.

The Solution: Combining Strengths

Your parents can play a vital role in bridging this gap. By combining their financial stability with your potential, we can create opportunities that seemed out of reach. We specialize in structuring combinations of:

• Parental Co-signing: Increasing your borrowing capacity based on future income expectations
• Family Loans: An additional loan from your parents to cover the purchase price
• Tax-Free Gifts: Utilizing the one-time tax exemption to lower your monthly costs

Let's consider this realistic scenario of how a buyer with a €225,000 income-based capacity can purchase a home worth €430,000.

We assume it is reasonable that the applicants will be able to borrow €300,000 independently within the next 10 years. In that case, parental co-signing can be applied —the requirement of being able to cover 75% of the mortgage payments yourself is met. In addition, an extra loan of €100,000 is provided by the parents, with the annual interest and repayment being gifted back each year — the maximum ratio between the Bank mortgage and the parental loan is 3:1, so this also complies with the rules. The parents then also provide the one-time increased tax-free gift of €33.129 (tax rules 2026).

The Result: with less than €4,000 of your own savings and an initial borrowing capacity of €225,000, you can successfully purchase a home of €430,000. Sounds interesting? Do contact us for further information.

Tel: 06-50874717
Email: info@canadvies.nl