Can you get a mortgage as a self-employed person? It’s often perfectly possible. However, your income is assessed differently to that of someone in paid employment.
Entrepreneurs are often told that getting a mortgage is difficult. This is rarely because their income is too low, but usually because it needs to be substantiated differently from that of someone in paid employment. When assessing your mortgage application, lenders will check whether you can sustainably meet the repayments. However, even if you’ve been self-employed for less than three years, there are sometimes options available.
We know which documents lenders want to see and how best to present your figures. This makes it clear what is actually possible.
As a self-employed person, you’d rather not find out how a lender assesses your income only when you apply for a mortgage. Make an appointment. We’ll work out in advance what income can be taken into account for your mortgage and what that means for your options.
This way, you can search with a clear focus and know exactly where you stand before making an offer.
The documents required depend on your business and the lender. These might include annual accounts, income tax returns and up-to-date financial figures. We can advise you in advance on what information is required in your particular situation, and which lender is best suited to your circumstances.
Not without first looking at the bigger picture. What may seem financially attractive for your business could affect your personal income and, consequently, your mortgage options. Conversely, you don’t want to financially undermine your business just to buy a bigger house.
That’s why we look at what works for you personally whilst remaining sustainable for your business.
Even if you have been self-employed for less than three years, you may still be eligible for a mortgage. How your income is assessed varies depending on your individual circumstances and the lender. Your financial figures, previous work experience and the prospects for your business may all play a part in this. Please make an appointment so that we can advise you properly.
When it comes to major, important matters such as buying a home, it’s reassuring to be able to receive guidance in your own language.
We’ll work out which monthly costs suit your everyday life, leaving room for the things that matter to you, so you can simply enjoy life.
For over twenty years, we have been helping people in Rotterdam and the surrounding area with their financial decisions. We know all the key players in the region and use that experience to help you with your plans.
We’ll listen to your plans, ask follow-up questions if anything’s unclear, and work out what suits your situation best. And the paperwork? We’ll take care of that for you.
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Pop in at the Slinge in Rotterdam, or book an appointment. We’d be happy to make time for you.
Monday to Friday from 9.00 am to 5.00 pm. Prefer to visit in the evening? We’re also open by appointment on Thursday evenings.
Book an appointment
Will you have enough left over after you retire to live comfortably?
Targeted saving or investing, tailored to what you want to achieve with your money.
Being properly insured. Are you already covered? What do you really need, and what’s particularly useful?
Book a free consultation. Just a good chat about your situation.
The first consultation is, of course, free of charge. We’ll discuss your situation, plans and any questions you may have, and see how we can help you. We’ll then explain what the next steps are, and any costs that may be involved. That way, you’ll know exactly where you stand from the outset.
Yes. We are not tied to any one bank or insurer, and we do not work on commission. We are familiar with all the providers, their costs and their terms and conditions. We’ll look at which provider best suits your situation.
Think about what you’d like to discuss and what plans or questions you have. A rough overview of your income, fixed expenses and any mortgage will help us get started, but it isn’t essential for the first meeting.
Would you like specific advice during the first meeting? If so, it would be helpful if you could bring your payslip, a statement of your savings, a list of your loans, etc., or send them to us in advance.
If you’d like, we can set up your account on the client portal in advance so you can upload documents. Please let us know when you book your appointment, and we’ll create an account for you.
Yes. Even if you’re an expat, we can help you with your mortgage and other financial queries. We’ll look at how your income and circumstances factor in and which options are best suited to your situation. We have extensive experience in this area. The consultation can be in Dutch, English or Polish.
You’re welcome to visit our office on the Slinge in Rotterdam. Of course, you can also book an online appointment. Whichever suits you best. You’ll receive the same personalised attention and clear explanations.
We’re open Monday to Friday from 9.00 am to 5.00 pm and on Thursday evenings by appointment.
Yes, of course. As an entrepreneur, your annual income can vary. We’ll look at your personal and business circumstances and find out which mortgage options are best suited to your situation. You can also come to us with any questions you may have about your pension, insurance and financial future.
