The best mortgage for self-employed professionals

The right mortgage for self-employed professionals: what are the options?

Are you a self-employed entrepreneur and considering buying a new home? In the past it was almost impossible to get a mortgage as a self-employed professional if you had been active for less than three years. Fortunately, times have changed. Nowadays many mortgage lenders take a more flexible stance, and more is often possible than you think.

Although the options for a self-employed mortgage have expanded, the exact rules and conditions can vary per provider. This can sometimes be confusing. At De Ondernemershypotheek we are happy to help you make the best choice. We know the market and know exactly which mortgage lenders offer favourable conditions for entrepreneurs like you.

What should you pay attention to when taking out a self-employed mortgage?

When you, as a self-employed entrepreneur, want to take out a mortgage, mortgage lenders will want to assess your complete financial situation. They want to be sure that you can meet your payment obligations now and in the future.

An important aspect here is that many lenders look at your annual figures of the past three calendar years. In addition, the expectations for the coming years are also taken into account. If you have been an entrepreneur for less than three years, your assessment income is often based on an average of your income over the last three calendar years, whereby both income from paid employment and from self-employment can count. This helps to demonstrate that your business is future-proof.

Active as a self-employed professional for less than three years?

If you have been active as a self-employed professional for less than three years, the rules can differ per mortgage lender. Some providers set strict requirements, while others are willing to look at your personal situation. In these cases it is important to be able to present a well-substantiated forecast of your business and an income statement, preferably drawn up by an accountant. De Ondernemershypotheek can support you with this and ensure that you are well prepared for your mortgage application.

How we can help you

The market for self-employed mortgages is diverse and constantly changing. Different mortgage lenders offer varying conditions and possibilities, depending on your situation. As an independent mortgage adviser, De Ondernemershypotheek is your reliable partner in making the right choice. We guide you through the complex landscape of mortgage lenders and ensure that you get the best possible mortgage that suits your situation.

Let De Ondernemershypotheek advise you

Curious which mortgage lender offers the best conditions for you? The independent mortgage advisers of De Ondernemershypotheek are ready to help you. Together we discuss your situation and make sure you get the best deal. Get in touch with us for personal advice and discover which possibilities there are for you as a self-employed professional.