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.

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. Your residence permit or Dutch credit history matters less than your income file.

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. Nationale Hypotheek Garantie confirmed these figures in September 2026. 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. You're invoiced directly and lenders pay nothing. 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 AFM licence (12017511) and they advise and arrange. We introduce you and take on the tax that follows.

Self-employed mortgage

Your self-employed mortgage, built on your figures.

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

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.

Compare with full mortgage advice

Your situation

How long have you been working for yourself?

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 limits confirmed with Nationale Hypotheek Garantie, checked September 2026. NHG also carries 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

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.

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.

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

WftSEH-certifiedEN · NL

Your advisor

Talk to a real mortgage advisor.

Tim works for A&H Finance, our associated company, from the lender match to your signed offer. Wft is the Dutch license required to give mortgage advice. Someone who reads entrepreneurs' figures every day.

WhatsApp your advisor

Message an English-speaking advisor.

Call us directly

PHONE

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 TaxSaversOur way

Lenders

Straight to one bankOne policy for self-employed income

With TaxSavers30+ lenders compared on self-employed criteria

Your figures

Straight to one bankThree year-reports often expected

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.

Reviews

What internationals say

Read all 1,500+ reviews on Google

Gertrud assisted me with all of my questions and the process was very fast and easy to follow. 10/10 would recommend! Especially if you’re an expat, this saves you so much time and effort.

Mariana Flores Sánchez

Expat tax services · January 2026

Super service from start to finish. I can recommend it to anyone who has moved abroad. All questions are answered almost immediately and the collaboration was very pleasant.

Pommeke

Emigration tax · March 2025

Translated from Dutch

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.

Book your mortgage call Message us on WhatsApp

What's included

Your self-employed mortgage, built on your figures.

We turn your business figures into a strong mortgage file.