Buying a house as an entrepreneur

Do you have the ambition to buy your own home as an entrepreneur? At Crefin & Partners, we understand better than anyone that your situation as an entrepreneur is unique.

As mortgage advisors, we are happy to help you with a mortgage that truly fits your entrepreneurial income and future plans. Make a free, no-obligation appointment now and discover what is possible for you!

Mortgage for an entrepreneur
Fortunately, much is possible for entrepreneurs these days. Nevertheless, there are a few important points to consider:

Gain a clear insight into your financial situation.
As an entrepreneur, your complete financial picture is reviewed by the bank. They look primarily at your average income over the last three calendar years. This may be a mix of income from employment and from your own business. Based on this, we can prepare a realistic mortgage calculation for you.

Prepare yourself well
Ensure you make a personal contribution (for example, from savings) to supplement your mortgage. Gather the financial statements for the past 3 calendar years. Consider the financial consequences in the event of disability or death and ensure you are well informed about this.

We will, of course, help you calculate your mortgage and provide you with clear, personalized, tailored advice.

Buying a house as an entrepreneur: a step-by-step plan

We make buying your home as an entrepreneur as easy as possible. This is the step-by-step plan:

We look at your income, annual figures, and forecasts to determine what you can borrow and what is sensible to borrow. Even if you have been running your business for less than three years, there are options. Our free and no-obligation consultation will give you clarity.

With your budget and housing preferences, you go house hunting. You can search yourself or hire a buyer's agent. Visit multiple houses to discover what you want, such as space or location.

Have you found your dream home? Time to make an offer. Our Mortgage Advisor gives you tips on negotiating smartly and how far you can go financially, so that you close a good deal within your financial means.
Offer accepted? Great! We compare offers from 40 banks to find the best mortgage. Do you want to transfer your current mortgage or take out a new one? We discuss everything, from fixed-rate periods to risks such as disability. You provide the documents, we take care of the rest.
After approval by the bank, you will receive the mortgage offer. After signing, it is almost time to move into your new home.
At the notary, you sign the deed of transfer and the mortgage deed. As soon as that is finalized, your new house is officially yours.

You have the key! Time to furnish your new home and enjoy.

How much does it cost to buy a house as an entrepreneur?
In addition to the purchase price of your home, you also pay other costs, such as mortgage advice, notary fees, valuation, and transfer tax. At Crefin & Partners, you pay a fixed, transparent price for our advice, without surprises. And good news: these advisory costs are tax-deductible via your income tax. View our rates page for all details.

Buying a house as an entrepreneur: frequently asked questions

Banks usually look at the annual figures for the last three years, but there are already options after just one year of running your business. Our Mortgage Advisor calculates your possibilities.

You need annual figures, forecasts, and income tax returns for the past three years. Crefin & Partners tells you exactly what you need to provide.

Our first consultation is free and without obligation. You pay a fixed price for our full advice, which can be found on our rates page . These costs are tax deductible.
A positive BKR registration is usually not a problem. In the case of a negative registration, we look for solutions. Crefin & Partners compares options from 40 banks.