Entrepreneur

Buying a house as an entrepreneur can sometimes seem a bit more complicated than when you are employed.However, there are often more possibilities than you think. With the right preparation and insight into your figures, you can often simply secure a mortgage as an 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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Rates

We work with fixed rates for our mortgage advice. This way, you will never face any surprises.

Entrepreneur

From

€ 250
  • Advice tailored to your situation at standard rates plus a surcharge. Please note: the surcharge is a starting price based on the complexity of the business
  • Interim consultation on the changing interest rates
  • Choose from offers from all well-known lenders
  • Honest advice about the various options

Key terms / Mortgage types

When you are a home entrepreneur, you encounter many new terms. That can sound quite complicated at times, which is why we explain the most common terms below!

Interest-only mortgage

With an interest-only mortgage, you only pay interest. You do not make automatic repayments. As...

Linear Mortgage

With a linear mortgage, you repay a fixed amount each month. As a result, your...

Annuity Mortgage

With an annuity mortgage, you pay the same total amount each month. At first, you...

Taxatie

Before you can get a mortgage, the property must be appraised. An independent appraiser determines...

Still no idea what it all entails?

Don't worry. Mortgage advice doesn't have to be complicated. Schedule an introductory meeting and discover what is possible for your situation.

We have already made over 2,000 customers happy.

5/5
Google
★★★★★

Very helpful mortgage advisor, Samuel!

Always replied quickly to our emails,was very clear in his explanations and helped us alot throughout the whole experience!

Sajni Singh
October 2026
★★★★★

Wij zijn ontzettend tevreden over Matthijs als hypotheekadviseur.

Hij is een deskundige, eerlijke en betrouwbare adviseur die echt de tijd voor je neemt en alles duidelijk uitlegt. Je merkt dat hij veel kennis en ervaring heeft en altijd met je meedenkt om tot de beste oplossing te komen.

Ben je op zoek naar iemand voor het afsluiten van je hypotheek? Dan hoef je echt niet verder te zoeken. Wij kunnen Matthijs van harte aanbevelen!

Als ik meer sterren had kunnen geven, had ik het gedaan!⭐️⭐️⭐️⭐️⭐️

Sudenur Erturk
September 2026
★★★★★

We are so lucky to have found you!

We are pleased and very grateful for the tremendous support to our search and mortgage journey. From the beginning, Matthijs (our assigned mortgage advisor) was there for us to support and provide all the necessary information step by step. With his energy and professionalism, we were able to gain a lot of confidence for the process and to feel supported through this! Such a nice experience that we enjoyed a lot. In such a stressful moment, Matthijs was there to respond immediately and to be willing to answer every question that we might had, providing honest advice for our options. We definitely recommend to work with them. Thank you so much once more for helping us to buy our first house in the Netherlands.

Eirini Sarli
August 2026
★★★★★

Wij zijn super goed geholpen met de aankoop van ons eerste huis.

Matthijs is een goede hypotheekadviseur. Hij legde alles goed en duidelijk uit, hierdoor was het erg makkelijk om een hypotheek te regelen. Het contact was super fijn. Echt top! Wij zouden het zeker aanraden aan andere mensen.

Romy zandbergen
July 2026
★★★★★

I had a wonderful experience receiving advice from Matthijs regarding securing a mortgage.

It was my first house so I was quite overwhelmed with things I did not know, but Matthijs went above and beyond to put me at ease and guide me through the entire process. He made sure I understood everything and always gave me all options with extensive explanations, and all this at a very reasonable price point.

LD
June 2026
★★★★★

If you are looking for a great mortgage advisor Samuel is your guy!

I am extremely happy with Samuel as my mortgage advisor - his replies are very fast and accurate, contracts and offers are thoroughly reviewed (he goes point by point with you), he answers every question that you can imagine and is truly and expert in the field. His advice and help goes beyond just application: he is persistent that in case you need any help during tax season you should mail him.

Joanna Chodorska
May 2026
★★★★★

Wij zijn enorm goed geholpen door Samuel.

Hij heeft enorme expertise, ook wanneer je vragen niet standaard zijn. Hij is meedenkend, geduldig en oplossingsgericht en is er ruimte voor een grapje. Hij legt complexe onderwerper heel erg duidelijk uit en is altijd bereikbaar, hij reageert binnen mum van tijd. Wij raden Samuel aan iedereen aan, echt een topper!

Max Brinkman
April 2026
★★★★★

We would highly recommend Matthijs!

My wife and I had an excellent experience with our mortgage adviser Matthijs from Advies van Jord for purchasing our first house in the Netherlands. The communication with him was always smooth, friendly, and prompt, which made the whole process feel easy and stress-free. Matthijs clearly explained the different mortgage plans, carefully outlining the benefits of each option so we could make the best decision. His support was incredibly fast and efficient, and he helped us secure my mortgage approval much quicker than I expected. My wife and I truly appreciated his dedication and attention to detail from start to finish.

SHU LI
March 2026
★★★★★

Enorm fijn geholpen door Matthijs bij de aankoop van ons huis.

Mijn vriendin en ik zijn allebei ondernemer, waardoor er tijdens het proces veel documenten moesten worden aangeleverd. Daarbij zijn we uitstekend begeleid en werd alles duidelijk uitgelegd. De communicatie verliep prettig en snel, waardoor het hele traject verrassend soepel is verlopen. Absoluut een aanrader!

Thijs Drost
February 2026
★★★★★

Wij zijn fantastisch geholpen door Samuel.

Bij de aankoop van ons huis hadden we te maken met een wat ingewikkelde constructie, maar niets was te gek en voor alles wist hij een passende oplossing te vinden. Het contact verliep snel en soepel. We zijn erg dankbaar voor al zijn hulp!

Pepijn Becking
January 2026
★★★★★

I was supported by the firm for the mortgage of our new house.

It turned out to be perfect choice as I was rightly guided and advised at every step of the mortgage application.

I was assisted by Samuel. He is very professional and knowledgeable. He explained the entire process very clearly and it all went real smooth. To my surprise, the loan was processed within a week. I am very satisfied with the level of assistance that i got for my loan application.

Sachin Kunder
December 2025
★★★★★

Super goed geholpen door Samuel van Advies van Jord!

We zijn uitstekend begeleid bij het maken van onze keuzes, en Samuel was altijd goed bereikbaar voor vragen. Daarnaast was de hypotheek aanzienlijk sneller rond dan verwacht.

Lard Van Zuylen
November 2025

This is how
we work

Our advisors guide you step by step during the process of buying a house!
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1

Introduction & free mortgage consultation

During a introductory meeting (online or in person), we discuss your personal plans, wishes, financial situation, and your company's future plans.
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2

The financial check

Based on your income, annual figures, and income tax returns (plus any additional income statement), we calculate how much you can borrow as an entrepreneur. We take into account the requirements of various lenders so that you know what is realistic.
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3

The right mortgage

We compare various providers and look for a mortgage that suits your income and entrepreneurial situation. Not every lender assesses entrepreneurs in the same way.
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4

The mortgage application

Time to gather all necessary documents, such as annual figures, tax returns, and an income statement for entrepreneurs. Next, we ensure that the complete package reaches the right lender.
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5

The mortgage is finalized, off to the notary

The bank has approved the mortgage and the binding offer has arrived. We ensure that everything is 100% correct and handle the final matters with the notary. After that, it is time to sign the deed, and you can toast to your mortgage and new home with peace of mind!

How can we help you?

Schedule a free mortgage consultation or ask your question. We will contact you as soon as possible!

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Our knowledge of
mortgages

In our articles, we share practical explanations, current developments, and answers to frequently asked questions about mortgages.

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