Starter Loan in Tilburg

What are the conditions?

To qualify for the starter loan in Tilburg, you must meet the following conditions:

• The home may cost no more than €420,000, based on the 2026 limit.
• You must meet the municipality's residency requirement.
• This must be your first home purchase, and you must live in the property yourself.
• Your mortgage must be taken out with NHG, the Dutch National Mortgage Guarantee.

We check exactly whether you meet all the conditions before you start relying on the starter loan as part of your financing.

How much can you borrow?

In Tilburg, you can borrow up to €35,000 through the starter loan. The exact amount depends on your income, the purchase price of the property and the size of your regular mortgage. SVn carries out the financial assessment and determines the final amount you can borrow.

What does it cost?

As of July 2026, the interest rate is 4.40% and is fixed for 15 years. After that period, the rate is reset for another 15 years. There are also one-off costs involved: €750 in arrangement fees and an NHG guarantee fee. You will also pay additional notary fees because two mortgage deeds are required: one for your regular mortgage and one for the starter loan.

So, although the starter loan can give you extra borrowing capacity, it is not free money. It is an additional loan that must eventually be repaid. You can find our current advice rates in the comparison cards on our downloads page.

For the first three years, you do not pay interest or make repayments on the starter loan. After three years, your monthly payments are determined based on your income at that time. If the monthly payment is still too high, you can request a reassessment.

What is the municipality's position on the starter loan?

The municipality of Tilburg sees the starter loan as an important way to help first-time buyers enter the housing market. In 2026, the municipality expects to issue at least 365 starter loans. However, the available budget can run out. When this happens, new applications may temporarily be paused while the municipality works on making additional funding available.

We regularly check whether the starter loan is available, so we can submit your application at the right time. The last thing you want is to find the right home and then discover that the available budget has just run out.

Buying a home outside Tilburg?

The starter loan is linked to the municipality where you buy your home, not where you currently live. Each municipality decides whether it offers a starter loan and what conditions apply. The maximum loan amount, eligibility criteria and maximum purchase price can differ from one municipality to another. Nearby municipalities such as Goirle, Oisterwijk and Waalwijk also offer starter loans, but their conditions are different.

For expats who are flexible about where they buy, this can be particularly relevant. We check which starter loan schemes are available in the municipality where you want to buy and explain how they may affect your options.

Buying your first home in Tilburg yourself? Read also buying your first home in Tilburg and how much own money do I need to buy a home in Tilburg for the full picture.