Self-employed mortgage

Your self-employed mortgage, built on your figures.

Q: Can I get a mortgage with less than 3 years of figures?

Often, yes. With NHG you can qualify from one year of business activity. An independent assessor then issues the Inkomensverklaring Ondernemer, an income statement lenders use in your application. Outside NHG, policies differ per lender. You find out which ones are flexible.

Q: How do lenders assess self-employed income?

Most start from your recent year reports. Many take an average of your last years, or the latest year if it is lower. The exact policy differs per lender. We build the file. It goes to the lenders that fit. How much you can borrow depends on the income a lender counts.

Q: I am a DGA. How is my income assessed?

Lenders look at more than your salary alone. They can weigh your salary, your dividend and your BV's results together. Presenting that mix well makes the difference, and that is exactly our work.

Q: Does foreign income count toward my mortgage?

It can. Some lenders include foreign or mixed income, others are cautious. You learn which lenders read an international income picture well. We gather the proof they ask for.

Q: Can I get NHG as an entrepreneur?

Yes, from 12 months of business activity. In 2026, NHG covers homes up to €470,000, or €498,200 when you finance energy-saving measures with the loan. You pay a one-off fee of 0.4% of the loan amount. You find out whether the NHG route fits your situation.

Q: I already own a home. Can I refinance as a self-employed borrower?

Yes. Refinancing means switching your mortgage to another lender. With self-employed income it works the same way. Your figures presented, the market compared. Read more on refinancing your mortgage.

A mortgage as a freelancer or contractor is workable, also with foreign or mixed income. With NHG (the Dutch national mortgage guarantee), one year of figures can be enough. 30+ lenders compared side by side, your figures presented the way a lender reads them.

Book your mortgage call and hear where you stand within 30 minutes.

Our associated company, a separate licensed advice firm, arranges the mortgage. We take on the tax that follows.

Book your mortgage call Message us on WhatsApp

1,500+ Google reviews

30+

lenders compared

20,000+

internationals helped since 2018

Written by

Tim van HulstTeam Lead Mortgage

Reviewed by

Kim van der MandenCertified Mortgage Insurance and Wealth Advisor

Updated 20 October 2026

5.0/5on Google · 1,500+ reviews

Personal advisorone advisor from lender match to signed offer

1 working daywe reply to your request

English and Dutchthe two languages we work in

What we do

We turn your business figures into a strong mortgage file.

Lenders rarely reject a business owner on income alone. They reject figures they cannot read. Year reports, tax returns, a growing pipeline: we translate them into the file a lender needs to say yes.

We already prepare tax returns for thousands of entrepreneurs, so your figures are home ground for us. Read how we handle your business tax return or bring your own accountant's figures. Both work.

You run the business. We build the income file behind your mortgage. Foreign or mixed income needs the same translation. You find out which lenders accept it. Lenders weigh residence permit and Dutch credit history differently, so we check early. Tell us where your income comes from and in which currency it arrives. Mention any 30% ruling as well, since lenders count it differently.

Compare with full mortgage advice

Your situation

Which situation fits you?

Three situations, one approach: we start from the figures you already have.

Starting out

1 to 3 years of figures

You can often qualify with fewer than three year reports. With NHG, 12 months of running your business can be enough. You see which lenders fit. NHG applies up to a set home price, checked first. In 2026 that limit is €470,000, or €498,200 including energy-saving measures. NHG also comes with a one-off guarantee fee of 0.4% of your loan amount. Years you traded abroad can count for some lenders. Tell us where you built them.

Book your mortgage call Established

3+ years of figures

The classic route: lenders often average your recent years. We make sure that average tells the right story about your business.

Book your mortgage call Your own BV

DGA with salary and dividend

You are a DGA: director and major shareholder of your own BV (a Dutch private limited company). Salary, dividend and company results each say something about your income. We present the full picture to the lender.

Book your mortgage call

How it works

Four steps, one income file.

Mortgage call · free · 30 min

We listen first

You tell us about your business, your income and the home you have in mind.

You leave with a clear picture of your options and an honest go or no-go.

Income file · about 1 week

We build your income file

We work from your year reports, returns and assessments, figures we often already know. If you have not filed in the Netherlands yet we start from your own records. For the one-year NHG route, an independent assessor issues your income statement.

You leave with an income file a lender can read at a glance.

Match & application · 1–2 weeks

Advice and arrangement

From here our associated company takes over: they advise on the mortgage, arrange it and take it out with you.

You leave with a lender match with their recommendation, and the application handled.

Offer & signature · 4–6 weeks

Every lender question, answered

You get every lender question resolved, with a full briefing before you sign.

You leave with every condition clear before you sign your offer.

Ready to hear where you stand?

Free call, no obligation.Advice built on your own figures.

Book your mortgage call or call +31 20 2170120

Replies within one working day

“I read year reports the way other people read payslips. That is exactly what your file needs.”

Tim van Hulst

WftCertified mortgage advisor (SEH)EN · NL

Your advisor

Talk to a real mortgage advisor.

Tim works for A&H Finance, our associated company. He stays with you from lender match to your offer. He reads entrepreneurs' figures every day. Wft is the Dutch act that regulates financial advice.

WhatsApp your advisor

Message an English-speaking advisor.

Call us directly

PHONE

Talk to us about your situation as an entrepreneur.

Email your advisor

Send your question about your income file.

+16

Joining 20,000+ internationals TaxSavers has helped since 2018.

Beyond your bank

One bank's view vs 30+ ways to read your figures.

The whole market compared, to show which lenders read a growing business well.

Straight to one bank

With TaxSavers and our associated companyOur way

Lenders

Straight to one bankOne policy for self-employed income

With TaxSavers and our associated company30+ lenders compared on self-employed criteria

Your figures

Straight to one bankThree year-reports often expected

With TaxSavers and our associated companyIncome file built by us, presented to lenders.

NHG

Straight to one bankYour figures, your job to explain

With TaxSavers and our associated companyThe one-year NHG route checked where it fits

Mixed income

Straight to one bankMixed or foreign income often falls outside their criteria

With TaxSavers and our associated companyForeign and DGA income explained properly

Fee

Straight to one bankThe bank's own advice fee

With TaxSavers and our associated companyFixed quote, stated upfront

No lender commission

Book your mortgage callHonest advice on your next step.

Pricing

One fixed quote, agreed up front.

Every business is different, so your fee is set after the free mortgage call and confirmed in writing before the work starts.

You pay only the fee quoted to you. See how we're paid →

What sets your price

Your exact quote depends on your situation and structure. A sole proprietorship reads differently from a BV. Our associated company sends the invoice for the mortgage advice.

Reviews

What internationals say

Read all 1,500+ reviews on Google

I'm very satisfied with the service from BelastingBespaarders; they handle the case very competently, and this ultimately leads to a result I'm happy with.

Ari Iancovici

TaxSavers experience · June 2025

Translated from Dutch

Super responsive, great service and great explanations. Also a very fair price. What's not to love?

Katja

TaxSavers experience · June 2026

Very good and reliable . Never had a problem with these guys .

Excited

TaxSavers experience · June 2026

Frequently asked

Self-employed mortgage questions, answered.

The questions we hear most in a first mortgage call. Yours not here? Ask your advisor

Can I get a mortgage with less than 3 years of figures?

Often, yes. With NHG you can qualify from one year of business activity. An independent assessor then issues the Inkomensverklaring Ondernemer, an income statement lenders use in your application. Outside NHG, policies differ per lender. You find out which ones are flexible.

How do lenders assess self-employed income?

Most start from your recent year reports. Many take an average of your last years, or the latest year if it is lower. The exact policy differs per lender. We build the file. It goes to the lenders that fit. How much you can borrow depends on the income a lender counts.

I am a DGA. How is my income assessed?

Lenders look at more than your salary alone. They can weigh your salary, your dividend and your BV's results together. Presenting that mix well makes the difference, and that is exactly our work.

Does foreign income count toward my mortgage?

It can. Some lenders include foreign or mixed income, others are cautious. You learn which lenders read an international income picture well. We gather the proof they ask for.

Can I get NHG as an entrepreneur?

Yes, from 12 months of business activity. In 2026, NHG covers homes up to €470,000, or €498,200 when you finance energy-saving measures with the loan. You pay a one-off fee of 0.4% of the loan amount. You find out whether the NHG route fits your situation.

What does self-employed mortgage advice cost?

A fixed fee, quoted in writing after your free mortgage call. The price depends on how your business is set up. Lenders pay nothing. Our associated company invoices the mortgage advice. Dutch mortgage advisors may not accept commission (the provisieverbod, the Dutch ban on commission for mortgage advice).

I already own a home. Can I refinance as a self-employed borrower?

Yes. Refinancing means switching your mortgage to another lender. With self-employed income it works the same way. Your figures presented, the market compared. Read more on refinancing your mortgage.

Are you authorised to give mortgage and insurance advice?

TaxSavers advises on tax, not on mortgages, insurance or pensions. For those we work with A&H Finance, a trade name of New Business Group B.V. They hold the licence (12017511) of the AFM, the Dutch financial markets regulator, and they advise and arrange. We introduce you and take on the tax that follows.

Self-employed mortgage

Your figures are stronger than you think.

One free call, 30 minutes. You leave knowing what is possible and what the next step is.

Mortgage advice is provided by our associated company A&H Finance. They advise you, arrange the mortgage and invoice you. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. They are registered there and have accepted binding advice, so a Kifid ruling binds them. Kifid is the Dutch complaints board for financial services.

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What's included

A lender match for your figures
Help in English or Dutch

TAX

MORTGAGE

INSURANCE

PENSION

FOR EMPLOYERS

STARTING OUT

GROWING

SCALING

PLANNING AHEAD

GUIDES

TOOLS

CLARITY

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