Applying for a mortgage as an entrepreneur can be daunting. You may not have a fixed salary, or your income may fluctuate from year to year. As a result, many entrepreneurs think that obtaining a mortgage is difficult or even impossible.
The good news is that, even as an entrepreneur, you can obtain a mortgage. You just need to know what banks look for and how to present your situation properly. That is where we help you.
Banks assess entrepreneurs differently from people in salaried employment. This does not mean you have a lower chance, but it does mean there are different points of attention.
Als ondernemer kan je inkomen per jaar verschillen. Dat maakt banken soms voorzichtig. Ze willen zekerheid dat je maandlasten ook in mindere jaren betaalbaar blijven.
We help you present your figures clearly and logically, so banks get a good picture of your financial stability.
Entrepreneurs often have to provide additional documents. This takes time, but with good preparation the process runs much more smoothly. We will help you with this.
Good preparation makes a big difference.
Make sure your financial administration is clear and up to date. If you have a bookkeeper or accountant, that is a major advantage.
Pay off outstanding debts where possible and make sure payments are made on time. A better credit score often results in a lower interest rate.
With the experience of First Choice Hypotheken, it becomes much easier for you as an entrepreneur to prepare a strong mortgage application.
Not every bank is keen to work with entrepreneurs. That is why it is important to choose the right lender.
Some banks understand entrepreneurs better than others. They look not only at figures, but also at:
the industry you work in
how long you have been self-employed
the future prospects of your business
We know exactly which banks are the best fit for this.
Some banks accept alternative ways of demonstrating income, for example through bank statements instead of tax returns. This can help if your figures are not standard.
There are various mortgage types. Together, we look at what suits you best.
Fixed monthly payments
Frequently chosen
Long-term security
You repay the mortgage faster
Lower total interest costs
Slightly higher monthly payments at the beginning
In some situations, other options may also be possible. This depends on your income, the property, and your future plans.
We explain everything calmly and clearly, so you can make a choice you fully stand behind.
Every entrepreneur is different. That is why we always start with a personal consultation. We review your figures, your wishes and your plans. Afterwards, you know exactly where you stand.
