A mortgage as a self-employed professional is very doable
As a freelancer (zzp'er) you have no payslip, but that doesn't have to stand in the way of a mortgage. More and more providers take a flexible view of self-employed income, often from just one year in business. These are the calculations and information for entrepreneurs.
Calculate your options right away
For self-employed
Calculate the maximum you can borrow as a freelancer or business owner, based on your own figures. Also for starting entrepreneurs.
Maximum mortgage
Calculate in 2 minutes how much you can borrow for your dream home. Based on income, interest type and existing commitments.
Monthly payments
Calculate your expected gross and net monthly payments, including the tax benefit of mortgage interest deduction.
Commercial mortgage
As an entrepreneur, calculate how much you can borrow to buy or finance a commercial property, based on your own figures.
Mortgage advice
Request a free, no-obligation advice consultation and discuss all your options with an independent mortgage adviser.
How providers assess your income
For the self-employed, providers don't work with a gross annual salary but with your business profit. The starting point is usually your average profit over the past three years, based on your annual accounts and tax returns. If your profit is growing, the most recent (lower) year often weighs more heavily. Use the self-employed mortgage calculation to see what your profit translates to.
Also from 1 year in business
Registered for less than three years? Several providers accept applications from as little as one year of self-employment. Your income is then established through an income statement (inkomensverklaring) from a specialised, independent party that looks at your figures as well as your sector and outlook. Keep your administration in order: recent annual accounts, tax returns and an up-to-date overview of assignments make the application much smoother.
NHG is possible for the self-employed too
As an entrepreneur you can also take out a mortgage with the National Mortgage Guarantee (NHG), with its lower interest rate and safety net in unexpected situations. The limit of € 470,000 (or € 498,200 with energy-saving measures) applies to you as well.
What else counts?
A business or personal credit and your BKR credit registration reduce your maximum mortgage, so repay small credits where possible before you apply. Buying together with a partner in paid employment? Then both incomes count and you are in a stronger position right away. And as a freelancer, think about your safety net: how your income is covered in case of illness is explained in our article on incapacity for work and your mortgage.
Buying business premises?
Looking to finance not (just) a home but also premises for your business? That runs through a commercial loan with its own conditions. Calculate your options with the commercial mortgage calculation.
Have your figures translated into options
Every business is different, and for the self-employed the way your income is established makes a big difference. In a free, no-obligation conversation an independent mortgage adviser looks at your figures and at the providers that treat self-employed income most favourably. Request a mortgage advice consultation.
Good to know
Frequently asked questions about the mortgage for the self-employed
The standard is three years in business, but several providers accept applications from one year of self-employment. Your income is then established through an income statement from an independent, specialised party.
Your business profit, usually the average of the past three years based on your annual accounts and tax returns. If you have been registered for a shorter period, your qualifying income is determined through an income statement that also considers your sector and outlook.
Yes. NHG is open to entrepreneurs; your income is then established through an income statement. You get the same benefits as employees: usually a lower interest rate and a safety net in unexpected situations.
Yes, business and personal credits with a BKR registration lower your maximum mortgage. Repaying small credits before you apply can make a real difference. An adviser can calculate the exact effect in your situation.
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