Tailored mortgage advice for freelancers

We offer mortgage solutions tailored specifically for self-employed individuals. We understand freelancers' unique financial circumstances and are here to help.

With a minimum earnings requirement of just 12 months, we calculate your mortgage based on the average income you've earned during that period.

Example of mortgage calculation

Martha, freelancing in the techsector, has successfully run her company for over two years with consistent growth of 30% annually. Now, she wants to stop renting and buy a property. What options does she have? Her yearly income:

  • year 1 (2021): € 80.000

  • year 2 (2022): € 104.000

  • year 3 (2032) : € 135.200

Martha's maximum mortgage will be around € 500.000.

Which documents are required for a mortgage application?
  • Proof of identity: a valid passport or ID card.

  • Proof of income: documents such as your tax returns, financial statements, and other records that demonstrate your income and financial stability

  • Credit history: Lenders typically examine your credit report to assess your creditworthiness and financial history. The bank automatically performs this evaluation.

  • Property documents: you may be required to show documents of the property you intend to buy, including the purchase agreement, the appraisal report, and a technical inspection report.

  • Business forecasts: Lenders might request a business plan detailing your business objectives, goals, and marketing and financial management strategies.

Unlocking mortgage options for freelancers

Schedule a free introductory call with our mortgage specialist to understand your mortgage options as a self-employed individual in the Netherlands

  • Access to a trusted network.

  • Highly competitive rates and flexible terms.

  • Guidance through the entire mortgage process.

  • English translations of bank documents are shared.

Meet the team
Sezer Yilmaz
Egle Kemezyte
Growth Marketer
Robin Uijtdehaage
Client Director & Financial Specialist
Lisa Grondsma
Financial Specialist