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Mortgages for the self-employed

Specialised advice for international business owners

Mortgage for the self-employed

Make an appointment
Or calculate your mortgage
Make an appointment
Or calculate your mortgage
  • Tailor-made advice for international business owners
  • The meeting to discuss your mortgage is in English
  • Also possible with the Dutch National Mortgage Guarantee (NHG)

If you’re self-employed and thinking of buying a home, we have specialist mortgage advisers who can help you find the right mortgage for your situation. Even if you’ve only just started your business in the Netherlands or you’re combining being self-employed with a salaried job, your dream home is sometimes closer than you think.

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Step-by-step plan: taking out a mortgage for the self-employed

1. Your financial situation

If you are self-employed, the first step towards taking out a mortgage and buying a home is to calculate your maximum mortgage. You can do this yourself or you can plan a free, no-strings-attached orientation meeting with a mortgage adviser. 

The adviser will look at your financial situation, taking into account matters like your company’s annual figures and debts. This will give you a good idea of your potential mortgage.

2. Making an offer and negotiating a price

As soon as you know how much you can borrow, you’ll know which home price category you can start looking in. Once you find your dream home, it’s time to make an offer and perhaps negotiate a price.

This is how to make an offer and negotiate a price
3. Mortgage advice

Has your offer been accepted? Congratulations! Now it’s time to arrange the mortgage. During the advice meeting, you and your mortgage adviser will discuss the details of your mortgage. This includes: 

  • the repayment methods, fixed-rate periods and types of mortgage you can choose from 
  • the costs involved in buying a home 
  • the amount you intend to invest yourself 
  • whether you need to withdraw money from your business and if so, how much 
  • the risks involved, both now and in the future 
  • how situations such as occupational disability and unemployment would affect your financial situation 
  • the insurance you want to take out to cover any risks. 

The adviser will talk to you about these matters and help you ensure a good balance between your dream home and your business ambitions. You can be confident that the mortgage you take out is right for you, both now and in the future. 

More about mortgage advice

Mortgage Self-Service

If you already know a lot about mortgages, you can select Mortgage Self-Service. You will not be given advice about your mortgage or the risks involved. You will simply choose the mortgage that is right for you. This keeps the costs down, as you will only be charged a handling fee (no advice fee).

More about Mortgage Self-Service
4. Submitting your documents

During the mortgage advice meeting, the adviser will explain exactly which documents you need. These will provide the details of the new home, your civil status and your current home (if you own one), for example. This goes for everyone who applies for a mortgage. We also need a few extra documents if you are self-employed, so that we can understand your financial situation. These include: 

  • the complete annual accounts for the past three years, compiled by you or by an accountant 
  • income tax returns from the past three years 
  • a financial prognosis for the forthcoming year, drawn up by a bookkeeper or accountant
Here is a list of all the documents you need for the mortgage advice meeting
5. The mortgage offer

Once you have supplied all the documents, your mortgage adviser will submit your mortgage application. You may be given an interest offer at this point. This shows your decisions regarding the mortgage and the relevant interest rate. You might be asked to provide extra documents. 

Your application will be assessed once you’ve agreed to the interest rate you’ve been offered and provided all the required documents. You will get the final go-ahead and receive a mortgage offer once the mortgage has been approved. This is a binding document, so make sure that you read it carefully before signing. The mortgage offer is valid for 14 days.

6. Time to see the notary

As soon as your mortgage has been arranged you can go to a notary to sign both the transfer deed and the mortgage deed. Now you are the official owner of the property. Time to break out the champagne!

7. After the mortgage has been finalised

Once you’ve been to the notary and signed the transfer deed and mortgage deed, the mortgage will have been finalised. We can imagine that you’d like to see how your mortgage is developing every now and then, or that you’d like to make an additional repayment on occasion. It’s easy to keep on top of your mortgage in your My Mortgage personal environment. Here you can also adjust your interest rate or the type of mortgage, assuming your mortgage conditions allow this. 

If you have any questions about your mortgage, your home or your business, our specialists are ready and waiting to help you.

Step-by-step plan: taking out a mortgage for the self-employed

1. Your financial situation
2. Making an offer and negotiating a price
3. Mortgage advice
4. Submitting your documents
5. The mortgage offer
6. Time to see the notary
7. After the mortgage has been finalised

1. Your financial situation

If you are self-employed, the first step towards taking out a mortgage and buying a home is to calculate your maximum mortgage. You can do this yourself or you can plan a free, no-strings-attached orientation meeting with a mortgage adviser. 

The adviser will look at your financial situation, taking into account matters like your company’s annual figures and debts. This will give you a good idea of your potential mortgage.

2. Making an offer and negotiating a price

As soon as you know how much you can borrow, you’ll know which home price category you can start looking in. Once you find your dream home, it’s time to make an offer and perhaps negotiate a price.

This is how to make an offer and negotiate a price

3. Mortgage advice

Has your offer been accepted? Congratulations! Now it’s time to arrange the mortgage. During the advice meeting, you and your mortgage adviser will discuss the details of your mortgage. This includes: 

  • the repayment methods, fixed-rate periods and types of mortgage you can choose from 
  • the costs involved in buying a home 
  • the amount you intend to invest yourself 
  • whether you need to withdraw money from your business and if so, how much 
  • the risks involved, both now and in the future 
  • how situations such as occupational disability and unemployment would affect your financial situation 
  • the insurance you want to take out to cover any risks. 

The adviser will talk to you about these matters and help you ensure a good balance between your dream home and your business ambitions. You can be confident that the mortgage you take out is right for you, both now and in the future. 

More about mortgage advice

Mortgage Self-Service

If you already know a lot about mortgages, you can select Mortgage Self-Service. You will not be given advice about your mortgage or the risks involved. You will simply choose the mortgage that is right for you. This keeps the costs down, as you will only be charged a handling fee (no advice fee).

More about Mortgage Self-Service

4. Submitting your documents

During the mortgage advice meeting, the adviser will explain exactly which documents you need. These will provide the details of the new home, your civil status and your current home (if you own one), for example. This goes for everyone who applies for a mortgage. We also need a few extra documents if you are self-employed, so that we can understand your financial situation. These include: 

  • the complete annual accounts for the past three years, compiled by you or by an accountant 
  • income tax returns from the past three years 
  • a financial prognosis for the forthcoming year, drawn up by a bookkeeper or accountant
Here is a list of all the documents you need for the mortgage advice meeting

5. The mortgage offer

Once you have supplied all the documents, your mortgage adviser will submit your mortgage application. You may be given an interest offer at this point. This shows your decisions regarding the mortgage and the relevant interest rate. You might be asked to provide extra documents. 

Your application will be assessed once you’ve agreed to the interest rate you’ve been offered and provided all the required documents. You will get the final go-ahead and receive a mortgage offer once the mortgage has been approved. This is a binding document, so make sure that you read it carefully before signing. The mortgage offer is valid for 14 days.

6. Time to see the notary

As soon as your mortgage has been arranged you can go to a notary to sign both the transfer deed and the mortgage deed. Now you are the official owner of the property. Time to break out the champagne!

7. After the mortgage has been finalised

Once you’ve been to the notary and signed the transfer deed and mortgage deed, the mortgage will have been finalised. We can imagine that you’d like to see how your mortgage is developing every now and then, or that you’d like to make an additional repayment on occasion. It’s easy to keep on top of your mortgage in your My Mortgage personal environment. Here you can also adjust your interest rate or the type of mortgage, assuming your mortgage conditions allow this. 

If you have any questions about your mortgage, your home or your business, our specialists are ready and waiting to help you.

Free orientation meeting

Taking out a mortgage is no trivial matter. We understand that this can be an intimidating process with huge implications. During a free, no-strings-attached orientation meeting, one of our mortgage advisers will explain the ins and outs of taking out a mortgage and talk you through the various options.

Make an appointment More about the orientation meeting

Frequently asked questions from the self-employed

How much does mortgage advice for a self-employed person cost?

This depends on your situation. Buying your first home costs less than buying your second home. If you already have an ABN AMRO mortgage, you will receive discount on the advice fee. As the financial situation of a self-employed person is more complex than that of someone in a salaried job, the advice fee is €500 higher. 

If you already know a lot about mortgages and the risks involved, you can select Mortgage Self-Service. You will be charged a handling fee, but no advice fee. 

More about the cost of mortgage advice

Which profit will be used to calculate my maximum mortgage?

Your mortgage is calculated on the basis of your net profit: the profit that remains after all your expenses have been deducted, such as travel expenses, investments, etc. Your net income is the amount that remains after all these deductions.

Can I get a discount on my mortgage interest rate?

Yes, in many cases you can get a discount on your mortgage interest rate with ABN AMRO. 

  • If you already bank with ABN AMRO and your monthly income is paid into your ABN AMRO current account, you qualify for a client discount. ‘Monthly income’ can be income from employment, your benefits, your pension, income from your own business or income from rental activities.
    More about the client discount 
  • If you are buying a home with energy label B, A or higher, you will get a sustainability discount on the mortgage interest rate. This also applies when you renovate your home to increase the energy label to A or B and register the new energy label within 24 months of the start of your fixed-rate period. Your (new) fixed-rate period will have started on or after 1 August 2021.
    More about our sustainability discount 
You can also combine both discounts. Ask your mortgage adviser about it.
What about tax breaks when buying a home?

When buying a home in the Netherlands, your mortgage interest may be tax-deductible. If so, you can deduct the interest you pay on your mortgage from your taxable income on your tax return. Some of the costs and fees you incur in buying a home are also tax-deductible. 

More about tax breaks

What is the Dutch National Mortgage Guarantee?

When buying a home, you can opt to take out a mortgage that includes the Dutch National Mortgage Guarantee (NHG). This means that your mortgage is guaranteed by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your risk and your interest rate will both be lower. 

More about NHG

Reasons for taking out a mortgage from ABN AMRO

Support from A to Z

A personal mortgage adviser: from the early stages of your house hunt until the mortgage has been secured.

25 years’ experience

Dutch mortgage market leader and expert in expats.

Service in English

The whole process and mortgage application are in English, with English-speaking mortgage advisers.