Our team
We look at your entire situation and business results. That way we increase your chances of success with the mortgage application.
Together we build a strong file for your financing needs. That way we arrive well prepared at the table with the lenders.
We look beyond the standard criteria. For every entrepreneur we look for the story behind the figures and which lender is the right fit.
Passionate about entrepreneurs
We believe it can and must be done differently. Applying for a mortgage as an entrepreneur can be complicated because of the strict requirements and the varying situations entrepreneurs find themselves in. At De Ondernemershypotheek we ask the right questions, assess each situation carefully and know where the opportunities lie.
We are committed to helping entrepreneurs and self-employed professionals secure the best-fitting mortgage, so they can realise their housing ambitions.
It can and must be done differently
The situation for entrepreneurs is different; these are usually not standard applications. As a result, it can happen that you pay for several hours of mortgage advice only to be told afterwards that you do not qualify for a mortgage.
It can and must be done differently, thought the founders of De Ondernemershypotheek. De Ondernemershypotheek grew out of their experience. To help you as an entrepreneur gain quick insight into your mortgage options and to help you secure an owner-occupied home. We also work only with lenders who genuinely want to help entrepreneurs obtain a mortgage.
Together for entrepreneurs, DGAs & self-employed professionals
Our mission is to support entrepreneurs in finding a suitable mortgage, even when the financial situation is complex. We analyse the figures ourselves, up front, not through an external assessor at a bank. We look beyond the three-year average when we see an upward trend, we know at which lender pension provisions and assets held in the BV do or do not count, and we approach situations close to retirement with the depth they require. The entrepreneur's story is at least as important to us as the figures.
Where others stop, our work begins
A DGA came to us after having provided his pension provision from the BV as a mortgage loan. The result: his pension was entirely tied up in the home and no liquidity remained in the BV. With several advisors he had mostly heard why it could not be done: too close to retirement and income that did not fit within the criteria.
We listened, analysed the figures and put together a well-substantiated case. With Rabobank we got it done: the financing within the BV was repaid, liquidity was restored and the pension provision was preserved with an outlook towards retirement. This is exactly how we approach your situation too.
- Creative and proactive
- Looking beyond the standard criteria
- Achieving solutions where others stop
What makes us different
Beyond the average
Do we see an upward trend in the results? Then we substantiate why the three-year average does not tell the whole story.
Pension & assets in the BV
We know per lender how a pension provision or assets in the BV are counted. We also advise on alternatives: business valuation on sale or an annuity.
Ourselves, up front
We analyse the figures ourselves before they reach a bank assessor, so the file hits the mark right away.
A knowledge bond with banks
Thanks to the many entrepreneurs we guide, we get room to spar with lenders, even on files that are not standard.
