Starter Loan Region Eindhoven 2026
Are you a first-time buyer looking for a home in the Eindhoven region? It is vital to know where your opportunities lie right away. In 2026, the municipality of Eindhoven itself does not have a starter loan available, but many surrounding municipalities offer excellent options to help you secure that final bit of financing.
Why Looking Outside the City Borders Pays Off
House prices in the center of Eindhoven often rise faster than the income of first-time buyers. A starter loan in a neighboring municipality can make the difference between continuing to rent or finally becoming the owner of your first home. It is a supplementary loan on top of your first mortgage to bridge the gap between your maximum budget and the purchase price.
Available Amounts per Municipality (2026)
Each municipality sets its own rules and budgets. Please note: additional conditions may apply, such as a maximum purchase price or a connection to the region. Always check the current status with the municipality or ask us during a consultation.
- Helmond: Maximum € 50,000
- Veldhoven: Maximum € 45,000
- Son en Breugel: Maximum € 40,000
- Geldrop-Mierlo: Maximum € 35,000
- Nuenen: Maximum € 40,000
- Laarbeek: Maximum € 35,000
How It Works: No Monthly Payments for 3 Years
The biggest advantage of the starter loan is that you can get an additional loan on top of your maximal mortgage amount. It might be possible to purchase a house that would not have been possible without the starter loan. Besides that, for the first three years, you will not have to pay anything yet for the starter loan. After three years, a reassessment follows to see if your income has risen sufficiently to begin making payments.
Still Want to Live in Eindhoven? Choose "Slimmer Kopen"
If you still wish to live in Eindhoven despite the absence of a starter loan, there is a specific alternative that keeps city living accessible. Through the Slimmer Kopen (Smarter Buying) scheme, you can purchase a home at a discount from the Trudo housing corporation.
This significantly reduces the required mortgage. View all the details about Slimmer Kopen in Eindhoven here.
Clarity on Your Opportunities?
Want to know which municipality currently has a budget and what your exact possibilities are? We look at your maximum mortgage and your chances in the entire region. For first-time buyers, we maintain a fixed starter rate of € 1,995.
Schedule your appointment with Niels
Niels de Jong