Entrepreneur
Mortgages for entrepreneurs
As an entrepreneur, you can also apply for a mortgage. The most important thing is that your income is sufficiently stable and that you can demonstrate this with financial documents such as annual figures, tax returns, and profit and loss statements. Additionally, the development of your business can play a role. For entrepreneurs, the average income of the last three years is often used to determine the maximum mortgage.
Good
to know
Read here what you should take in account as an entrepreneur during a mortgage application.
Most lenders require at least three years of financial statements. This allows them to properly assess your income. In some situations, there are options available with fewer years of figures. This depends on the lender and your financial situation.
There are no separate mortgage products specifically for entrepreneurs. However, there are lenders who are more flexible regarding entrepreneurial income. As a result, there are often multiple options available.
The average income of the past three years is often taken into account. Factors such as profit figures and tax returns are included in this calculation. Sometimes, the most recent year is weighted more heavily. This creates a realistic picture of your income.
Mortgage advice for entrepreneurs
As an entrepreneur, it can be beneficial to work with an advisor who understands how entrepreneurs’ incomes are assessed.
At Advies van Jord, we have experience guiding entrepreneurs through their mortgage applications. We look not only at your figures but also at the development of your business and your future plans. This creates a complete and realistic picture of your financial capabilities.
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Interim consultation on the changing interest rates
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Honest advice about the various options
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Please note: starting price excludes surcharge of €250 for documentation.
Key terms / Mortgage types
Interest-only mortgage
Linear Mortgage
Annuity Mortgage
Taxatie
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