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De Financiële Alliantie

Mortgage as an entrepreneur: Find the best solution with De Financiële Alliantie

Getting a mortgage as an entrepreneur works a bit differently than for those in salaried employment. If you’re feeling uncertain or think it would be better to enlist the help of a mortgage advisor when applying for a mortgage as an entrepreneur, De Financiële Alliantie is the specialist you’re looking for!

We analyze your annual figures and calculate a qualifying income for your mortgage application based on this data. Our advisors look beyond just the last three years and discuss your expectations for the upcoming years with you.

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Are you interested in learning more about what we can do for you? Then schedule a free introductory meeting with one of our experienced and knowledgeable advisors. During this meeting, we will explain everything you need to know about a mortgage for entrepreneurs. Our advisors will also actively listen to your needs, assess your financial situation, and make a comparison. Together, we will find the best mortgage for you as an entrepreneur.

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De Financiële Alliantie

How to apply for a mortgage as an entrepreneur

As mentioned earlier, applying for a mortgage as an entrepreneur works a bit differently. We understand you may be curious about how this process works. First, you need to find a lender that allows you to apply for a mortgage as an entrepreneur. Since De Financiële Alliantie collaborates with local partners and all lenders, this can be done quickly.

Lenders often look at your profit over the last three financial years to determine if you can apply for a mortgage. As an entrepreneur, your income can vary from month to month. By examining a longer period, lenders can get a clearer picture of your income.

However, your profit over the last three years is not the only requirement to apply for a mortgage for entrepreneurs. Lenders will typically want additional financial information from you. During a free and non-binding introductory meeting, our knowledgeable advisors will explain what documents you need to apply for a mortgage as an entrepreneur. You can then gather the necessary information yourself or leave it to an accountant.

De Financiële Alliantie

Applying for a mortgage as a starting entrepreneur

As a start-up entrepreneur, you may not yet have three years of financial records to present. Fortunately, this doesn’t mean you can’t apply for a mortgage for entrepreneurs. Some banks allow applications after just one year of self-employment. In such cases, a combination of income from employment and self-employment can be considered.

At De Financiële Alliantie, we aim to look ahead together with the bank. This means you can supplement the standard annual figures with a financial forecast. This forecast estimates the profit you expect to make in the coming years, allowing us to deviate from the norm. If you wish to create a financial forecast, it’s essential to have it done by an independent accountant or bookkeeper.

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De Financiële Alliantie

Mortgages with NHG for entrepreneurs

In the Netherlands, it is possible to obtain a mortgage with the National Mortgage Guarantee (NHG), even as an entrepreneur! The government provides a guarantee for such loans, giving banks more security. However, there are a few conditions that apply to a mortgage with NHG. For example, there is a maximum limit on the value of the property. If the house you want to purchase exceeds this value, you cannot secure an NHG mortgage for entrepreneurs, even if you finance part of it with your own money.

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De Financiële Alliantie
De Financiële Alliantie
De Financiële Alliantie

Calculate your maximum mortgage as an entrepreneur

Are you looking to buy a house? Then you are undoubtedly interested in learning more about your maximum mortgage as an entrepreneur. This makes sense, as it helps you understand what you can and cannot afford. To give you more insight into your options, De Financiële Alliantie has developed a handy tool. With this tool, you can calculate your maximum mortgage based on a few (financial) details. Please note: This is just an estimate. If you want to know exactly how much you can borrow, let our mortgage advisor make a calculation for you.

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Schedule an appointment for a free and non-binding orientation meeting

Obtaining a mortgage as an entrepreneur can be quite a process. That’s why it’s helpful to rely on someone with knowledge and experience in mortgages for entrepreneurs. In that regard, De Financiële Alliantie is the right place for you! Our team consists of expert advisors with years of experience in the mortgage industry.

Are you interested in learning more about what we can do for you? Do you want to know your options regarding a mortgage for entrepreneurs? Or are you interested in how much you can borrow? Schedule a free and non-binding orientation meeting below with one of our advisors. Ultimately, we can also provide you with advice and assist you in obtaining a mortgage for entrepreneurs.

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De Financiële Alliantie
De Financiële Alliantie
De Financiële Alliantie
De Financiële Alliantie
De Financiële Alliantie
De Financiële Alliantie

Our Partners! The widest range of mortgages and insurance. Settled well together.

Allianz
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Munt Hypotheken
NNEK Vermogensopbouw
Vista Hypotheken
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NIBC
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Tulp Hypotheken
Ing
ABN AMRO
Obvion Hypotheken
Syntrus Achmea
Nationale Nederlanden
ASR
Triodos Bank
Florius
Attens Hypotheken
Centraal Beheer
Aegon
Rabobank

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De Financiële Alliantie

Feel free to ask us your question directly, and we will get back to you shortly!

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Settled well together.

Would you like to get a mortgage with the help of De Financiële Alliantie?

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Independent mortgage advice

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mortgages arranged since 2018

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Our customer satisfaction score according to Advieskeuze.nl!

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Access to 41 independent mortgage lenders

What customers say about us

With the help of Laurens from De Financiële Alliantie, we were able to arrange the mortgage for our new home in no time. Less than two weeks after the purchase agreement, the mortgage was finalized, thanks to Laurens’s proactive approach. We had great conversations, received excellent advice, and it felt very personal. A huge thank you to De Financiële Alliantie, and especially to Laurens, for all your help! Highly recommended.

De Financiële Alliantie

Erik en Mirjam via Google.nl on 18-7-2024

Laurens Thunnissen

We were recently very well assisted by De Financiële Alliantie regarding our mortgage application. Mr. Eric Fillet (advisor) helped us navigate the maze of the financial world. We highly recommend Mr. Fillet.

De Financiële Alliantie

Fam. van der Heide via Google.nl on 12-7-2024

Eric Fillet

We worked with Magda from De Financiële Alliantie. She really went above and beyond for us. Since my husband is a business owner, there are many rules to navigate when obtaining a mortgage. Thanks to Magda’s perseverance, clear explanations, and determination, we were able to secure the mortgage we wanted. Additionally, she is very pleasant to work with.

De Financiële Alliantie

Ida Hoekstra via Google.nl on 12-7-2024

Magda van Veen

We received excellent assistance from Robin once again. He takes the time for you and always answers his phone. Communication is quick, and the advice is professional.

De Financiële Alliantie

Wessel Idzerda via Google.nl on 11-7-2024

Robin van Dam

Having used the services of DFA three times, they have consistently provided the best advice tailored to our needs! They are very committed and prefer short, personal communication. If you need financial advice, I highly recommend DFA! (In our case, for a mortgage.)

De Financiële Alliantie

E. Alten via Google.nl on 17-6-2024

Marcel van Assen

Great guidance, quick responses, and friendly people! Always available for any questions.

De Financiële Alliantie

Tim van der Kolk via Google.nl on 5-6-2024

Joost Fokke