Can I get a mortgage if I'm self-employed?
Three short questions, two minutes, an honest indication of whether it's feasible. And what your next step could be.
- An answer in 2 minutes, based on 3 short questions.
- I read your file the way Dutch lenders do: your profit trend over time, not just your latest year.
- Always no strings attached. If the answer is "not yet," you'll know exactly why.
“You're not a risk. You're just often read the wrong way, especially with an international profile. And a mortgage isn't about the maximum you can borrow. It's about a monthly payment that fits the life you actually lead as an entrepreneur.”
Also want a rough idea of the amount?
This check tells you whether a mortgage is feasible. Want an indication in euros, with your income factored in? Use the calculator on my English page.
Frequently asked questions
Most lenders ask for 3 full financial years (jaarrekeningen). But there are exceptions: some accept 1 year if your figures are strong, and if you switched from an employment contract, some banks count your earlier work experience too. It depends on your situation.
Usually at the average of your last 3 years. Some lenders use your most recent year if your profit is growing. That's exactly why it pays to know which bank reads your figures most favorably.
Yes. You get an indication, not advice, and no obligation. If you want to talk further afterwards, the 30-minute introductory call is free too. Binding mortgage advice is provided via Hypotheek & more · AFM geregistreerd.
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
Mortgage advice is provided through Hypotheek & more, an AFM-registered financial service provider.