Freelancer, or director-shareholder of your own BV: a mortgage to buy the home you live in is workable either way. 30+ lenders compared on entrepreneur criteria, your salary, dividend and company figures presented the way a lender reads them.
Book your mortgage call and hear where you stand within 30 minutes.
We advise on your mortgage. We take on the tax that follows.
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What we do
We prepare BV and freelance tax returns for thousands of entrepreneurs. Getting your figures ready for a lender is work we already do. Read how we handle a BV's tax return or bring your accountant's figures, both work.
Director-shareholder of your own BV: your salary, dividend and retained profit each say something different about your income. A lender wants to see how they add up, not just that they exist. Freelancer: your year reports carry the same weight a payslip does for a salaried buyer, once they are presented right.
You run the business. We prepare your figures and keep the tax return that follows in the same hands. The lender file is built from them.
On a residence permit tied to your own BV? We explain how that fits alongside your income file. Lenders also ask about your permit and any Dutch credit history. Bring your residence permit and contract details to the first call.
Your situation
Two business set-ups and one financing route, with one starting point: your income file.
As a DGA you set your own salary, under the gebruikelijkloonregeling, the usual-salary rule. In 2026 that is at least €58,000 for a full-time role. A lower amount is only allowed if you can show it is usual for your work. A lender can weigh that salary together with dividend and your BV's retained result. DGA is short for directeur-grootaandeelhouder, the owner-director of your BV. A BV is a Dutch private limited company.
Book your mortgage callFreelance / sole proprietorshipFreelancing or running a sole proprietorship? With NHG, one year of figures can already be enough, and mixed or foreign income can count too. The full freelance route, tenure by tenure, lives on our self-employed mortgage page. The NHG price cap for 2026 is €470,000, or €498,200 with energy-saving measures included. NHG stands for Nationale Hypotheekgarantie, the Dutch National Mortgage Guarantee.
See the self-employed mortgageYour BV as lenderA DGA can borrow the money for their own home from their own BV instead of a bank. Structure it correctly, with a mortgage charge in the BV's favour and a market-rate interest. It then stays a normal eigenwoningschuld and keeps its mortgage-interest deduction. It also falls outside the €700,000 cap the excessief-lenen rules put on other loans from your BV. Excessief lenen is the Dutch limit on tax-free loans a BV gives its director. Getting the structure right for your own figures is where advice earns its fee. Eigenwoningschuld is the Dutch term for a home loan that still qualifies for mortgage-interest deduction.
Book your mortgage callYou tell us about your BV or freelance practice and how you take out salary or dividend. We talk through the home you have in mind.
We work from your salary, dividend and BV figures, or your year reports if you freelance. These are figures we often already know from your tax return.
We advise you on the mortgage. Our associated company A&H Finance then submits the application and takes out the mortgage with you.
You get every lender question resolved, with a full briefing before you sign. Your tax picture stays consistent with the figures from step two.
“Salary, dividend, retained profit: I read them as one income picture, not three separate numbers. That is exactly what your file needs.”
Tim van Hulst
Your advisor
Tim works for A&H Finance, our associated company, and advises you on behalf of TaxSavers. He guides you from the lender match to your signed offer. Someone who reads DGA and freelance income files every day.
Message an English-speaking advisor.
Speak to a mortgage advisor about your situation as a business owner.
Send your question about your income file.
Lenders read a BV's or a freelancer's figures in very different ways.
Pricing
Every business is different, so your fee is set after the free mortgage call and confirmed in writing before the work starts. We give the mortgage advice itself. We invoice the tax work ourselves.
FOR BV DIRECTORS AND FREELANCERS BUYING A HOME
We compare 30+ lenders on your salary, dividend or freelance figures. Our associated company arranges your offer.
FOR ENTREPRENEURS WHO WANT BOTH SIDES HANDLED TOGETHER
Mortgage advice, with your BV's or freelance tax kept in the same picture of your income.
The 30-minute mortgage call is free.
No lender commission received. You pay only the fee quoted to you. See how we're paid →
Your exact quote depends on your structure. A BV with salary and dividend reads differently from a sole proprietorship. A BV-financed mortgage adds a structuring step of its own. With NHG you also pay a one-off guarantee fee of 0.4% of the loan amount.
Reviews
Always reachable, a clear digital environment & clear explanations when discussing the tax return. We'll be back next year!
Super responsive, great service and great explanations. Also a very fair price. What's not to love?
Very professional and efficient service, worth to recommend!
Frequently asked
The questions we hear most from BV directors and freelancers in a first mortgage call. Yours not here? Ask your advisor
Mortgage for business owners
One free call, 30 minutes. You leave knowing what is possible and what the next step is.
We give the mortgage advice. The application and closing run through our associated company. Do you have a complaint about the advice? Raise it with us first. If we do not reach a solution together, you can take it to Kifid, the Dutch complaints institute for financial services. A Kifid ruling is binding.
What's included
Fixed fee, agreed before work starts
Help in English or Dutch
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