Calculate Your Mortgage as an Entrepreneur in the Netherlands

Mortgages for Entrepreneurs: Discover your maximum borrowing capacity

Are you an independent entrepreneur, freelancer (ZZP), Director-Major Shareholder (DGA), or have you recently started your business, and do you want to know how much of a mortgage you can get? With our calculation tool, you will have an indication within 2 minutes. Afterwards, we will assist you personally with a customized calculation that fits your situation.

→ Calculate your maximum mortgage now

Why entrepreneurs choose Mortgage Spotters

As an entrepreneur, getting a mortgage works differently than for someone in salaried employment. Banks not only look at your income but also at the stability and growth of your business. For entrepreneurs, your income is assessed differently than for employees. Our advisors are fully specialized in mortgage advice for entrepreneurs. We offer customized solutions for every type of business:

Mortgage for Freelancers (ZZP'ers): As a freelancer, your income is averaged over the past few years, but not every bank assesses this in the same way. Our specialists know exactly which mortgage lenders are flexible with self-employed individuals.
Mortgage for Directors/Major Shareholders (DGA's): For DGAs, salary, dividend, and business results all count. This makes your mortgage more complex. We help present your income optimally to the banks.
Mortgage for Starting Entrepreneurs: Have you been an entrepreneur for less than 3 years? No problem. Some banks also accept 1 or 2 years of annual figures.

It is important to know that as an entrepreneur, you can borrow a maximum of 100% of the property value. For sustainability improvements, you can finance up to 106%.

Our transparent process and fair rates

At Mortgage Spotters, we believe in transparency and honesty. We are happy to explain how we can keep our rates on average 50% lower than other firms. We work with a fixed, transparent rate that is so competitive, there is simply no room for lead generation fees. Many agencies pay between €500 and €1,000 to buying agents or accountants for a referral. Ultimately, you see these costs reflected in your invoice, but we do not participate in this.

Our efficient 3-step process:

Make a calculation: You enter your details and immediately receive an indication of your maximum mortgage as an entrepreneur.
Schedule an introductory meeting:
We will send you several questions beforehand; with this information, we can make a highly accurate mortgage calculation. Together with one of our specialists, you discuss the possibilities based on your financial figures.
Compare and apply:
We compare over 35 renowned lenders. We choose the best match for you and arrange everything right up to the application. If you decide to proceed with us, you pay our fee when signing at the notary.

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Frequently Asked Questions (FAQ)

FAWQ - Entrepreneur Mortgage

Why is Mortgage Spotters on average cheaper than other firms?

That is due to our 'spot-on' focus on efficiency. We save on three major expenses that other agencies base their rates on: we do not pay referral fees (lead generation fees), we charge a small fee for the initial meeting to minimize unpaid hours, and we work with a fully digitized process.

How does the submission of my documents work?

Quickly and fully digitally via your own secure client portal. You submit your data safely and quickly through your personal online environment.

Do I still get independent advice despite the low rate?

Absolutely. You receive independent advice from a recognized mortgage advisor with 20 years of experience.