Our team
We look at your whole situation and your business results. That way we improve your chances of success with your mortgage application.
Together we build a strong case for your financing request, so we come to the table well prepared when we approach lenders.
Most entrepreneurs simply have a solid case. We arrange it quickly and clearly, and if things get more complicated, we dig deeper.
Passionate about entrepreneurs
We believe that arranging a mortgage as an entrepreneur should simply be done well. We ask the right questions, know the lenders’ rules and know where the opportunities lie. For the straightforward application and for the complicated one.
We help self-employed professionals, entrepreneurs and DGAs find a suitable mortgage, so they can find the home they have in mind.
It can and should be done differently
Many entrepreneurs arrange their mortgage with their own bank, because it feels easy. But a bank looks at its own product, and often only at the three-year average. We review your annual figures ourselves, compare lenders, liaise with your accountant and help you think through whatever else is going on in your business. So you get not just a mortgage, but advice that fits you and your business.
That is why De Ondernemershypotheek was founded: so that you, as an entrepreneur, quickly know what is possible and can move swiftly to a suitable mortgage. We work with lenders who are keen to finance entrepreneurs.
Together for entrepreneurs, DGAs & self-employed professionals
Our mission is to help every entrepreneur find a mortgage that truly fits them and their business. That starts with listening carefully: who are you, where does your business stand and where do you want to go? Then we review your figures ourselves and look for the lender that matches. To us, the entrepreneur’s story matters at least as much as the figures.
Even when it gets complex
A DGA came to us after he had used the pension provision in his BV to grant himself a mortgage loan. As a result, his pension was entirely tied up in the home and there was no liquidity left in the BV. From several advisors he had mostly heard why it could not be done: too close to retirement, and income that did not fit within the lending criteria.
We listened, analysed the figures and together we built a well-substantiated case. With Rabobank we got it done: the financing in the BV was repaid, liquidity was restored and the pension provision was preserved, with a clear outlook towards retirement. That is how we approach your situation too.
- Arranged clearly and swiftly
- Clear in advance what it costs
- Also for complex situations
What makes us different
For every entrepreneur
Sole proprietorship, partnership or BV: we arrange your mortgage quickly and clearly, with a personal advisor who knows you.
Pension & assets in the BV
We know how the lenders we work with count a pension provision or assets in the BV. We also advise on alternatives, such as business valuation on sale or an annuity.
Clear about costs
Getting to know us is free of charge. In most cases we work with a fixed fee, and for tailored work you know in advance what it will cost.
Good relationships with banks
Because we guide so many entrepreneurs, lenders give us room to discuss cases with them, including ones that are not standard.
