A mortgage when you are self-employed
You have a sole proprietorship, a partnership or your own BV. You earn your living, but you do not have a payslip that a lender can work with straight away. That makes applying for a mortgage as an entrepreneur feel harder than it needs to be.
Lenders look at your figures: what your business earns, how steady that is and what you take out of it yourself. How those figures are presented makes a difference. That is where our work lies.
What we do for you
We translate your figures
Annual accounts, tax returns, profit and the salary you pay yourself: we turn them into a story a lender understands.
We pick the lender that fits
Lenders assess entrepreneurs differently. Which one looks at your situation most sensibly depends on your sector, your legal form and how long you have been trading.
We look at your business and at you
A dip caused by an investment, or a start-up year, is not a disqualification as long as you can explain it. We do that together.
We work with your accountant
We ask for exactly what is needed, so your accountant does not do work for nothing and you do not supply the same documents three times.
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Frequently asked questions from entrepreneurs
Many lenders look at several years of figures, others at fewer. There is also an income statement drawn up by a recognised calculation expert, which can offer a way forward for a younger business. What is possible in your case depends on your figures and on the lender.
Often both, but not automatically. Lenders look at the salary you pay yourself and at the results of your business. How heavily each part counts differs per lender.
Varying results are normal in business. Lenders look at the picture over several years and at the direction it is heading. A clear explanation of a weaker period helps your application.
Usually your annual accounts, your income tax returns, a recent overview from your bookkeeping and details from the Dutch trade register. We send you a list in advance, so you are not still searching halfway through.
Not necessarily, but it helps if your figures were prepared by someone who can explain them. If you use bookkeeping software, we look together at what a lender needs from it.
A short questionnaire on this site that gives you an indication of your borrowing room as an entrepreneur in a few minutes, with the points lenders look at closely and the documents you will need. It is a starting point, not advice.
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