100% independent
De Kredieter | Within 24 hours an appointment without obligations, Within 24 hours
an appointment without obligations,
De Kredieter | Specialist in mortgages for self-employed persons without personnel. Specialist
in mortgages for self-employed persons without personnel.
De Kredieter | 100% independent financial advice. 100% independent
financial advice.

Mortgage advice for independent business operators


Are you a sole trader, do you work freelance or are you self-employed without personnel? Even in those cases you can get a mortgage. A mortgage is not reserved solely for people in permanent employment. Lenders do, however, have their own approach to dealing with mortgage applications from independent business owners. This can be very confusing. It is thus worthwhile to have an intermediary like de Kredieter that has experience in this field look at your situation.

Make an appointment without obligation

Sole trader, freelancer or self-employed person without personnel


Are you worried that you cannot get a mortgage because you have your own business? De Kredieter specialises in mortgages for self-employed persons, so we can help you. And we know that every situation is different! We will look at the possibilities available to you on the basis of the result of your business.

In principle, all mortgage providers look at the net profit from your business over the past three years. They take the average as your qualifying income. If you earned less than the average in the last year, the lower figure will be taken as your qualifying income. In addition, since the beginning of 2017 only up to 101% of the value of the property can be lent. This applies to everyone, including self-employed persons. A self-employed person can in some cases borrow less than 101% because lenders consider the risk that you will be without income too great. Know where you stand We will be pleased to give you a realistic idea of the possibilities available to you.

Self-employed for less than three years

If you have been self-employed for less than three years, each lender will deal with your application differently. In some cases you will unfortunately not be eligible for a mortgage. Other lenders will base the amount you can borrow on your personal situation. You will have to provide additional information to show the financial future of your business in as much detail as possible. For instance, a projection of future income.

We provide information, advice and guidance in the mortgage process for independent business operators.

Own business and a mortgage?
Questions?
Contact us.
Call us
+31(0)20 - 575 33 20
Mail us
info@kredieter.nl
Visit us
Strawinskylaan 17
1077 XW Amsterdam

De Kredieter B.V. Within 24 hours an appointment without obligations, Within 24 hours
an appointment without obligations,
De Kredieter B.V. Specialist in mortgages for self-employed persons without personnel. Specialist
in mortgages for self-employed persons without personnel.
De Kredieter B.V. 100% independent financial advice. 100% independent
financial advice.
De Kredieter maakt gebruik van functionele en analytische cookies (Google Analytics) om u een optimale gebruikservaring te bieden. De informatie die Google verzamelt wordt zo veel mogelijk geanonimiseerd. Uw IP-adres wordt nadrukkelijk niet meegegeven. Verder maken wij geen gebruik van uw persoonlijke informatie. De privacyverklaring, het privacybeleid en de digitale gedragscode vindt u onderaan de website.