Mortgages for the self-employed

Taking out a mortgage as a self-employed professional

Wat voor zzp'er u ook bent; bij ABN AMRO heeft u mogelijkheden voor een hypotheek

Calculate your options for a mortgage for the self-employed professional

If you have been self-employed for at least 1 year and are looking for your dream home to buy, you can apply for a mortgage with ABN AMRO. You might also be eligible for the Dutch National Mortgage Guarantee (NHG). Calculate your maximum mortgage (in Dutch) now based on your annual figures. Or contact us.

Hypotheek berekenen ZZP

Calculate your maximum mortgage as a self-employed professional

The average income you generated over the years you have worked will be used to calculate your maximum mortgage. This is called your qualifying income. If your income in the previous year is lower than this average, we will base our calculations on the lower amount. Even if you have only been self-employed for one year, your income will be included in the calculation at 75%, and you can therefore take out a mortgage with us. 

Your income and the maximum amount you can borrow

With and without Dutch National Mortgage Guarantee (NHG)

No. of years self-employed Qualifying income without NHG, up to 100% of the purchase sum Qualifying income with NHG, up to 100% of the purchase sum and maximum of € 265,000
1 - 2 years 75% of your income from self-employment in the previous calendar year (or the prognosis if it is lower). 100% of your average income from paid employment and self-employment over the past 3 years (as long as your current income matches the average income).  
2 - 3 years 90% of your average income from self-employment over the past 2 calendar years (or the prognosis if it is lower). 100% of your average income from paid employment and self-employment over the past 3 years (as long as your current income matches the average income).
> 3 years 100% of the average income from self-employment over the past 3 years, up to a maximum of the income generated in the previous year (as long as your current income is in line with that of the previous calendar year). 100% of your average income from self-employment over the past 3 years 
Zzp'er in de zorg? Ook dan komt u bij ABN AMRO voor uw hypotheek

NHG-backed mortgage for self-employed in 2020

Also in 2020 you can take out a mortgage with National Mortgage Guarantee (NHG), if the purchase sum for the home does not exceed €290,000. 
To take out an NHG-backed mortgage, you need your qualifying income. This can be established by ABN AMRO, or by an expert third party: Raadhuys, Pentrax, Overviewz or Zakelijk Inkomen. These parties charge a fee for their services. You can arrange this yourself or you can ask your mortgage adviser for help. Visit the NHG website to find out what details you need.

Advies nodig over een ZZP Hypotheek? Maak een afspraak

Advice on a mortgage for the self-employed

Mortgage advice anytime and anywhere. Get it through video banking or at a branch. 7 days a week, also in the evenings Your first orientation meeting is free of charge. Find out what you need to bring.

Een hypotheek voor zelfstandig ondernemers

What you need to bring to a mortgage meeting?

  • Income tax returns for the years of self-employment (maximum of 3 years)
  • Final annual figures, if available (maximum of 3 years)
  • Chamber of Commerce registration details (no more than 2 months old)
  • Proof of ID
  • Pension statement

If you are in a general or commercial partnership, you will also need the following documents at the meeting:

  • Salary slip
  • Partnership contract.

If you do not yet have the final annual figures for the last tax year, you can use provisional figures until 1 July, provided these have been prepared by an accountant. After 1 July, you can then show us the final annual figures for the last tax year.

Reasons for taking out a mortgage from ABN AMRO

Best mortgage lender 2019

Fast, professional and flexible. ABN AMRO has won no less than 2 Golden Lotus Awards.

Video conferencing with an adviser

Where and whenever you like. Use your computer, smartphone or laptop.

Best conditions 2019

MoneyView has awarded our mortgage terms and conditions with 5 stars.