Mortgage for your owner-occupied home

As an entrepreneur, DGA or self-employed professional you deserve a mortgage that takes your business results into account, not just a payslip.

Find the right mortgage for you as an entrepreneur

As an entrepreneur, DGA (director-major shareholder) or self-employed professional, applying for a mortgage can be challenging, but it is certainly not impossible. We analyse your figures ourselves up front, look beyond the three-year average when we see an upward trend, and know which lender does or does not count a pension provision, assets in the BV or a combination of employment and entrepreneurship.

With more than 25 years of experience, we have built a relationship of trust with banks. This gives us room to discuss cases that do not fit a standard framework.

Where others stop, our work begins. A DGA came to us after several advisors had told him why it couldn't be done, too close to retirement and with income that didn't fit within the norms. We analysed his figures, made use of his pension provision and arranged a solution with Rabobank: financings within the BV repaid, liquidity brought back and pension retained. That is how we approach your situation too.

Approach

How does it work?

Calculating the maximum mortgage

Find out quickly and easily how much you can borrow. Our calculation takes the last three years of your income into account and we look at your annual figures.

Income and future outlook

Mortgage lenders look at the stability and future-proofing of your income. We help you draw up a clear income statement.

Different mortgage types

From linear and annuity mortgages to the savings and interest-only mortgage. Together we determine which form suits you best.

National Mortgage Guarantee (NHG)

Even as a self-employed professional, a mortgage with NHG is possible, sometimes after just one year of entrepreneurship. This offers extra security and a favourable interest rate.

Documents and preparation

We guide you in gathering the required documents such as your income statement, annual figures and bank statements.

No-obligation introduction ➜

Have your mortgage calculated

Applying for a mortgage as an entrepreneur requires a tailored approach and expertise. Enter your details and we will calculate your mortgage to measure.

We analyse your figures ourselves up front
Looking beyond the three-year average
Pension provision and assets in the BV taken into account where possible
No obligation and a response within 24 hours

Your details stay safe.
We only use them for your application.

Frequently asked questions

Can I get a mortgage for an owner-occupied home as a self-employed professional?+

Yes, from as little as 1 year of self-employment you can qualify for a mortgage. We work together with lenders who take a positive view of self-employed professionals and look beyond just a permanent employment contract. We assess your annual figures, future prospects and sector to arrange the best possible financing.

How is my income calculated as an entrepreneur?+

We look at the average profit of the last three financial years. In addition, we take into account the trend in your results and the future outlook of your business. For a director-major shareholder (DGA) we also look at the salary and dividend distributions. This gives a complete picture of your borrowing capacity.

Is NHG possible as an entrepreneur?+

Yes, the NHG (Dutch national mortgage guarantee) is possible, sometimes even after just 1 year of entrepreneurship. NHG offers extra security and can result in a lower mortgage interest rate. We help you determine whether you qualify and guide you through the entire process.

What are the costs of mortgage advice?+

The first meeting is without obligation and free of charge. During this introductory meeting we discuss your situation, wishes and possibilities. Only when you decide to work with us do we make clear arrangements about the advisory fees. Transparency is our priority.

Ervaringen

Wat klanten en adviseurs zeggen

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Together we build a strong file for your financing needs. That way we arrive well prepared at the table with the lenders.

Linda Wijkens

Mortgage advisor

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We look beyond the standard criteria. For every entrepreneur we look for the story behind the numbers and which lender is the right fit.

Kees van der Meij

Mortgage advisor

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The team quickly spotted every option, which made the application as an entrepreneur run remarkably smoothly and fast. Communication is easy and approachable, and updates are passed on right away.

Pieter

Client · via Google