What can we afford? - Opinions needed

Currently no problem, acceptable with children as well. Start the search, by then you will have six-figure equity. The purchase prices sound quite reasonable, are you sure about that?

The purchase prices are based on the "catalog prices" on ImmoScout & Co. Of course, there is still something added on top, we are (unfortunately :-P) aware of that. However, last year we also saw good houses for 400,000. 136 sqm, basement... They were just semi-detached houses, of which several were built at the same time. Our goal is actually to reach the six-figure equity range. Your assessment further strengthens us in that. Because currently, the above-mentioned equity would actually be everything. There is nothing additional available.

Leisure time (vacations, hobbies, dining out, clubs, etc.): approx. 750 € / month (including 535 € for vacations. Here we see potential for savings. Apart from vacations, we are rather frugal people)

I find the structure of your expenses very good. The above-mentioned items are the luxury goods we enjoy, but they would also be superfluous, meaning there is potential for savings.

What do you think would be feasible in terms of budget given our financial situation or where do you see critical limits? Of course, we also know simple mathematics
But in the end, nothing beats the experience of people who have already implemented something similar

If you buy a house directly, in the worst case scenario all your (liquid) equity could be used up for additional costs... property transfer tax, realtor, notary... For me, that added up to 15%. Then you still need something for furniture, kitchen, and so on. So from my perspective, saving still makes sense despite price increases, so that you move away from the 95...100% financing. I think 500k€ is definitely a sensible limit for the budget, 450k€ is no problem at all. And don't go into debt so much that you have to cut out vacations or hobbies. Start looking and keep saving in the meantime, everything will work out.

Very high income for your age and also very low house prices. Thus, overall a very comfortable situation. You are the ideal buyers.

Would have no concerns with you either. Equal distribution of income is good. The only sticking point is the reduction of income when children arrive. Then possibly reduce repayment, and when both are working full-time again, invest in special repayment. Otherwise, the unpleasant awakening regarding the remaining debt after the first fixed interest period may come.