Mortgage for Self-Employed Professionals in the Netherlands

Being self-employed in the Netherlands doesn't mean a mortgage is out of reach. It just means lenders look at your finances differently than they would for a salaried employee. Whether you run your business as a freelancer (ZZP'er) or as a director-owner of a private limited company (DGA), we can help you.

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Mortgage for Freelancers (ZZP'ers)

If you're a freelancer in the Netherlands, you can absolutely qualify for a mortgage, but lenders assess your income differently than a payslip.

What lenders look for:

- At least 12 months of registered activity with the Kamer van Koophandel (KvK)
- Income based on the average of your last three years of earnings (or your most recent year if it's growing)
- Tax returns, profit-and-loss statements, and, in some cases, an income projection (forecast) from your accountant

How we help: We work with lenders across Amsterdam and the rest of the Netherlands to find the best fit for your income profile, even if your business is young or your income varies year to year. Tell us about your situation, and we match you with a lender that understands freelance income.

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Mortgage for Entrepreneurs (DGA / BV Owners)

If you run your business through a B.V. (Besloten Vennootschap), you're assessed as a director-major shareholder (DGA), and the income calculation looks different again.

What lenders look for:

- At least one year of running your business (occasionally six months, depending on the lender and the sector)
- A detailed introduction to your business, plus proof of income such as (projected) income statements
- Your salary as a DGA, assessed alongside your company's financial health
- A debt-to-income ratio typically under 30%

Which lenders work with entrepreneurs: Almost every bank offers mortgage products for the self-employed, though requirements and terms vary by lender and by how long you've been trading. What's also good to know is that not all of them have business income specialists.

How we help: We compare offers across our lender network and help you present your business financials in the way each lender expects, so a thin trading history or fluctuating profit doesn't automatically work against you.

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Top FAQs about mortgages for entrepreneurs

What method does the bank use to determine an entrepreneur's income? Your mortgage options are influenced by both the amount and trend of your profit, with the bank considering factors such as your salary and the average profit over the last three years.

Which documents are required for a mortgage application? Required documents typically include a passport copy, an organization chart, Chamber of Commerce registration extract, financial figures for the past three years when available, income tax return copies for the past three years, and, if possible, your current private capital position, financial forecast, and income statement.
Is it possible for a newly established entrepreneur to obtain a mortgage? Although you might not have financial data from the past three years, providing a business forecast and a strong application justification is essential. For more information, contact us.