The First Home workbook open on a laptop

First Home

€39,99
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The First Home workbook open on a laptop
  • The First Home workbook open on a laptop
  • First Home workbook: every purchase fee and the cash needed on the day
  • The True cost tab, ending in the cash you need on completion
  • The Affordability tab, stress tested three points above your rate
  • The Viewings tab scoring properties with price per square metre
  • The Country notes tab, with 15 questions for your notary or lender
  • A look inside the First Home workbook
  • The First Home workbook open on a laptop
  • First Home workbook: every purchase fee and the cash needed on the day
  • The True cost tab, ending in the cash you need on completion
  • The Affordability tab, stress tested three points above your rate
  • The Viewings tab scoring properties with price per square metre
  • The Country notes tab, with 15 questions for your notary or lender
  • A look inside the First Home workbook
First Home

First Home

€39,99

The asking price is not what leaves your account.

Transfer tax, notary, land registry, agency, survey and lender fees routinely add 5–15% on top — and they are paid in cash, not borrowed. This workbook tells you the cash you actually need on the day, what the monthly payment becomes if rates rise, and which of the flats you have seen is genuinely the best value.

Nine tabs, all formulas live

  • True cost — every fee calculated from rates you enter, ending in one number: cash needed on the day, and whether you are short.
  • Affordability — monthly payment at your rate and stress-tested higher, with debt-to-income ratios and a plain verdict.
  • Deposit plan — how many months until you have the cash, at your actual saving rate.
  • Viewings — 30 properties scored on the same criteria, with price per m² calculated. After eight viewings they blur together.
  • Offer to keys — 17 steps with dates from your offer date.
  • Country notes — 15 questions for your notary or lender.
  • Plus Setup, Start here and Licence.

European by default

Notary scales, transfer taxes and lending limits differ in every member state, so none are hard-coded. You enter your country’s rates once and the workbook does the arithmetic — which also means it never goes out of date.

What you need

Excel, Google Sheets, LibreOffice or Numbers.

Delivery

An .xlsx file, emailed the moment payment clears. Yours permanently.

Not advice

A planning tool, not mortgage, tax or legal advice.

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.xlsx
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What is inside

1 Setup Offer price, deposit, term, rate and your country's fee rates
2 True cost Every fee calculated, ending in the cash you need on the day
3 Affordability The payment at your rate and stress tested three points higher
4 Deposit plan Months until you have the cash, at your actual saving rate
5 Viewings 30 properties scored the same way, with price per m² calculated
6 Offer to keys 17 steps dated from your offer date
7 Country notes 15 questions for your notary or lender
8 Licence What you may and may not do with the file

Facing more than one of these?

The Threshold System

All four workbooks and the 60-Day Checklist in one download, for less than three bought separately. These changes rarely arrive alone.

€79,99 €149,95 See the bundle

A planning and record-keeping tool, not tax, legal, mortgage or benefits advice. It contains no country's rules — those differ across 27 member states and change most years, which is exactly why they are yours to enter.

€39,99 First Home