However, don't let this discourage you. Because your situation is unique, thorough preparation is the key to success. Let our specialists advise you and discover how your entrepreneurship can be the gateway to your new home.
A mortgage that fits your entrepreneurial freedom
Are you a self-employed professional (ZZP) looking for a home that matches your ambitions? At Mortgage Spotters, we are here to help you navigate the process. We understand that as a freelancer or entrepreneur, finding the right mortgage can feel like a challenge. Banks often view fluctuating income differently than a fixed salary.
How much can I borrow as a ZZP'er?
Applying for a mortgage as a self-employed person can be complex. Lenders look at more than just your income; they also evaluate the stability of your business. We help you gain a clear insight into what you can truly borrow based on your specific situation.
Calculating your maximum mortgage
It is essential to map out exactly what your borrowing capacity is as an entrepreneur.
• The 12-Month Rule: While lenders previously required three years of financial figures, there are now options available if you have been active for at least 12 months.
• Business Performance: Lenders assess the net profit of your business and the future outlook of your specific sector.
• Financial Planning: Together, we create a comprehensive financial plan. This gives the bank confidence and ensures you choose a mortgage that feels comfortable both now and in the future.
• Strategic Search: By mapping out your business success and private goals, you will know exactly which price range to search in without taking unnecessary risks.
Key factors for your ZZP mortgage:
• Your average income over the past few years.
• How long you have been registered with the Chamber of Commerce (KvK).
• Existing financial obligations, such as loans.
• Your own savings (equity).
• The property value and official appraisal (taxatie).
• Current mortgage interest rates.
Tailor-made mortgage advice for entrepreneurs
A mortgage application for a self-employed professional is rarely a "standard" procedure; it requires customization. Our specialists understand the intricacies of regulations for entrepreneurs and know which lenders best suit your specific industry or situation. Whether you have built up a substantial financial buffer or are currently investing heavily in your growth, we ensure there are no surprises.
Expertise and personal guidance
The Mortgage Spotters team consists of experienced, certified financial advisors who understand what it means to be your own boss. We take the time to truly understand your business, looking beyond just the bottom-line figures. We translate your passion and hard work into a solid financing plan for your dream home.
"Roy provided excellent help for the purchase of our home. It was incredibly helpful to receive tailor-made advice for our specific situation as entrepreneurs with fluctuating income and high growth ambitions."
Get started: Checklist for self-employed expats
To get off to a flying start during our first meeting, it is helpful to gather the following documents. Don't worry if you don't have everything ready yet—the more information we have, the more accurately we can calculate your maximum mortgage.
If you are a ZZP’er (Sole Proprietorship/Eenmanszaak):
• Final Annual Accounts: Profit and loss statements and balance sheets for the last 3 calendar years.
• Income Statement (Inkomensverklaring): If you already have an official income statement for entrepreneurs, please bring it. If not, we can assist you with the application.
• Income Tax Returns: Copies of your last three tax assessments (Aangifte Inkomstenbelasting).
• Identification: A valid passport or ID card.
If you already have a property in mind:
• Appraisal Report: A valuation report if you have a specific house in mind or want to sell your current home.
Mortgage Spotters Tip
If you haven't been in business for three years yet, don't worry! There are excellent opportunities for entrepreneurs who have been active for at least 12 months. We can discuss this during our introductory meeting.
Free initial mortgage consultation
We ensure you enter the housing market well-prepared, significantly increasing your chances of securing a fitting mortgage. Curious about your possibilities as a ZZP'er in the Netherlands?