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 unique situation as an international professional in the Netherlands.
Calculate Your Expat Entrepreneur Mortgage in the Netherlands
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?
Why Self-Employed Expats 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. Our advisors are fully specialized in mortgage advice for entrepreneurs. Why Choose Mortgage Spotters for Your Dutch Mortgage?
- Independent Advice: We compare all major Dutch banks to find the best deal.
- Specialist Expertise: Our team works daily with international entrepreneurs.
- High Acceptance Rates: We know how to present your figures for a successful application.
- Tailored for All: Advice for freelancers (ZZP), DGA’s, and startups.
- Efficiency: A free initial meeting and a quick, custom calculation.
Calculate Your Maximum Mortgage
Want to know your budget quickly? Use our online tool to get clarity within 2 minutes.
Key points for Dutch mortgages:
• Borrowing Limit: You can borrow up to 100% of the property's market value.
• Sustainability Bonus: You can finance up to 106% if you invest in energy-saving measures (verduurzaming).
• Income Assessment: Your income is assessed differently than that of a regular employee.
Who We Help
Mortgages for Freelancers (ZZP)
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.
Mortgages for DGA’s (Director-Major Shareholders)
For DGAs, salary, dividend, and business results all count. This makes your mortgage more complex, but we help present your income optimally to the banks.
Mortgages 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.
Good to know: 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%.
How It Works: 3 Simple Steps
1. Initial Calculation: Enter your details online and receive an immediate indication of your borrowing power.
2. Free Consultation: One of our specialists reviews your figures and creates a concrete, custom mortgage plan.
3. Compare and Apply: We compare all lenders, find the perfect match, and handle the entire application process for you.