I’ve now taken a closer look at the house. It’s really a nice, large architect-designed place. The renovation also looks very good, so the energy efficiency values will definitely be met. But those aren’t really important. You won’t buy the house. It’s pure fantasy and not in line with the market that your offer would have a chance. The asking price will be paid, at least. Furthermore, even at 800k the house is simply too expensive for you. The equity is great, but the income is too low. With a child, it just doesn’t add up at all. The previous speakers are also right, working full-time with a child is really something you have to want; I wouldn’t want to impose that on my family just for a house. Additional remark: the rent for the basement apartment is calculated way too optimistically. First, the assumed 800€ is the all-in rent, but quite a bit needs to be deducted from that. Second, no one pays 800€ in a better village for a 38m² basement apartment. I would have the rental contracts shown to me by the seller; in my opinion, that’s nicely calculated / lied. Realistically, you could rent out the apartment for about 450€ cold. Even if you could afford the house, I would consider whether I would want to put up with such a huge place at all. It all has to be furnished, cleaned, maintained, etc. What do I want with an (expensive) pool right by the terrace if I’m planning to have children? That’s a death trap, nothing else, with small children. tl;dr The house is too big and too expensive for you. Look for something that fits your circumstances.