Entrepreneur mortgage
You can also take out a mortgage as an entrepreneur or self-employed person. More is possible than you think.
Entrepreneurial mortgage: explanation and advice
You are an entrepreneur and want a mortgage. In some cases, this can be a bit more difficult. But certainly not impossible! It just works a bit differently than a regular mortgage. You need to provide more information for your application.
If you want a mortgage for entrepreneurs, it is necessary to demonstrate that you earn enough with your company. You do this by making the figures of your company transparent. The bank looks at these three components for your mortgage application:
It is important that you can provide the lender with figures for the past three years. Based on this, a sound estimate can be made of the above ratios.
There are also lenders where you can take out a mortgage if you cannot provide figures for three years. In that case, more resources and time are involved.
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How much can I borrow as an entrepreneur?
Based on the above ratios, the amount to be borrowed is calculated. But it also differs greatly per lender. It is advisable to always look critically at where you can get the best deal. You are not tied to your own bank for a mortgage. Not even as an entrepreneur. In fact, as an entrepreneur it is often wisest to take out a mortgage with another bank.
Independent advice for entrepreneurs
Do you want to know which lender is the best for you to borrow from and what the most suitable solution is for you? As an independent financial advisor and fellow entrepreneur, I think along with you and look at both your personal and business situation. The size of your company or legal entity does not matter. Whether you are a self-employed person or the owner of multiple BVs. I have access to multiple lenders and know exactly where you as an entrepreneur can take out the most suitable mortgage. In doing so, I take all the worry out of your hands and guide the entire process.
Independent and tailor-made advice
When taking out a business mortgage, independent and specialist advice is very important. There are costs associated with the advice on and taking out a mortgage. Read more about the rates of our services and what you can expect from us in return.