Self-employed? Your income counts too.
You earn well. But banks look at self-employed income differently. You need three years of figures. Or two. Or sometimes just one. It depends on the lender. And that makes it complicated.
Every bank reads your figures differently.
Someone who says: this bank counts your income this way. That bank counts it another way. And here is where you get the most out of it. Someone who knows how banks read entrepreneurs.
What the bank weighs up
By business structure
- Sole trader
- The net profit
- BV
- The director’s salary, possibly plus dividend
How your years are weighted
Three readings of the same figures
- Average over 3 years
- Most banks
- Weighted average
- Some banks. The most recent year counts more heavily
- Lowest of the three years
- Others again. The most cautious reading
Which reading works out best for you depends on your figures and your business structure. That difference can be worth tens of thousands of euros in your maximum mortgage. This is indicative information. You get your exact picture in a personal conversation.
Van jaarrekening tot sleuteloverdracht.
01Gathering the documents
Annual figures, tax returns, the Chamber of Commerce extract. I tell you exactly what is needed and help you assemble it. No unnecessary paperwork.
02Calculating your income
Every bank calculates differently. I find out which of the 45+ lenders assesses your income most favourably.
03The mortgage arranged
Application submitted to the right bank, offer received, notary scheduled. From annual figures to the keys, one person handles it all.
A calculation for entrepreneurs
A calculation based on your business income. The formula that fits you rather than the standard one.
45+ lenders
Every bank assesses business income differently. I find the one that views your situation most favourably.
Help with documents
Which annual figures do you need? Does it have to be a compilation report or a review report? I tell you straight.
BV or sole trader
Your business structure affects your borrowing capacity. I know how banks look at a BV, a VOF and a sole trader.
Financial statement
With every offer. As standard, at no extra charge. For entrepreneurs too.
Personal advice
No comparison site that stops at "complex". I know the market for entrepreneurs and where the possibilities lie.
Curious what you can borrow?
500+
mortgages guided
17
years in the mortgage industry
45+
lenders compared
1
dedicated point of contact
The first stories are on their way.
I am asking the clients I guided over the past years to write down their experience. As soon as they come in, you will read them here in their own words, with name and situation. A handful of real stories beats a page full of polished words.
- 500+ mortgages guided
- 45+ lenders compared
- 17 years of experience
Want to share your experience? After completion you'll receive an invitation.
Want to know if it is feasible first? Take the self-employed check
Three short questions, two minutes, an honest indication. No obligations and no email address.
Frequently asked questions
Yes, at some lenders. You then need strong figures and often an accountant's statement. Not every bank accepts this. I compare 45+ providers and know exactly which lenders will look at your case after one year.
Annual figures (one to three years), income tax returns, a Chamber of Commerce extract and sometimes a forecast from your accountant. Exactly which documents are needed depends on the lender and your business structure (sole trader, VOF or BV). I tell you precisely what to prepare.
Most banks look at the average profit over three years. Some use a weighted average in which the most recent year counts more heavily. Others again take the lowest of the three years. It differs per bank and can mean tens of thousands of euros in borrowing capacity.
That depends on your situation. With a BV banks look at the director's salary plus any dividend. With a sole trader they look at the net profit. Some banks assess BV income more favourably, others less so. I know where the difference sits.
Variable income is normal for entrepreneurs. Some lenders look at the average, others at the lowest year, and others again put more weight on the recent trend. I look for the bank that fits your income pattern best.
One conversation. That's all it takes.
No obligations, no sales pitch. Just 30 minutes where I listen to your situation and tell you what's possible. After that, you decide.
No catch. Just a good conversation.
Prefer to call first? +31 6 22 13 14 29Free orientation call · 30 minutes · No obligations