When you run your own company, you often have a more complex income structure, so there is no one-size-fits-all mortgage solution. Whether you have multiple companies and earn dividends or variable remuneration, we will clearly map out your situation.
Make an appointment with one of our specialist mortgage advisers for director-major shareholders and quickly find out how much you can borrow.
"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Make an appointment"}],"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/5b1f9149-a7c3-44c4-a6fe-28b8b9224f42/Mature-businesswoman-laughing-and-holding-her-phone-at-her-home-office","original":"https://assets.ing.com/m/4cea7aec8f8a3199/original/Mature-businesswoman-laughing-and-holding-her-phone-at-her-home-office.jpg","extension":"jpg"}},{"componentType":"paragraph","richBody":{"value":"Prefer an appointment with an independent adviser?
You can choose one of 2,600 advisers across the Netherlands.
"}},{"componentType":"sectionTitle","title":"How much can you borrow, based on your situation?"},{"componentType":"paragraph","richBody":{"value":"Below you can read what this means for your situation as director-major shareholder (DGA):
"}},{"componentType":"accordion","accordionList":[{"title":"Are you just starting out as an director-major shareholder and looking for a mortgage?","richBody":{"value":"If you’ve recently become the director-major shareholder of a company, you have a lot on your plate, especially if you’ve just acquired shares, taken over an existing business or converted your sole proprietorship into a limited company. In these situations, applying for a mortgage is often far from straightforward.
At ING we use a personal approach. We look at your specific situation, such as:
If you’ve just become the owner or co-owner of a business you already worked for, or if you’re working in the same sector you worked in previously, we can often include your income from your previous employment when determining your business income.
Curious about your options in your situation? Feel free to contact us – we’ll be happy to help you out.
"}},{"title":"Business owner for less than 3 years","richBody":{"value":"If you’ve completed at least one full financial year as a business owner, you may already be eligible for a mortgage. We don’t just look at how much income you earned; we also look at your business plan, your work history and your financial situation. If you’re working in the same sector as before, we will often take account of your income from your previous employment, too.
To form an assessment, we always need:
The basis for determining your business income is the average of your net business profit over the past three financial years, with the last financial year being used for your maximum profit. But we’ll also look at the stability of the figures when determining your business income. We do this using a financial analysis of your profit figures and an assessment of your balance sheet position. The sector that you work in also plays a role here.
To determine your business income, we always need:
Our specialists at ING Private Banking will be happy to help you. They understand your specific situation and help you find a suitable mortgage solution with personal, expert and customised advice.
"},"textLinks":[{"url":"/en/private-banking/mortgages","text":"Go to Private Banking"}]}]},{"componentType":"sectionTitle","title":"On your way to your new home"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Energy labels and your mortgage rate","intro":"Did you know that upgrading your energy label may entitle you to a lower mortgage rate?","image":{"transformBaseUrl":"https://assets.ing.com/transform/08e435c0-413a-411c-aa4a-25c7ff3a385b/house-energy-label-4","type":"image","width":160,"original":"https://assets.ing.com/m/21413cd0dec5963a/original/house-energy-label-4.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/current-mortgage-rates/the-energy-label-and-your-mortgage-interest-rate"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"A new build - a home exactly how you want it","intro":"For when you’re planning to buy a new build.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a5efce8c-ac61-4f40-8957-1868c3d8eb9e/brand-new-house-spot","type":"image","width":160,"original":"https://assets.ing.com/m/79b0bcf3d94cac43/original/brand-new-house-spot.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/newbuild"}}]},{"componentType":"applicationProcess","steps":{"title":"Mortgages step by step","stepList":[{"title":"How much can you borrow as a business owner?","body":"During a free orientation meeting, an ING mortgage adviser will look at your financial situation — and that of your business — together with you. Our experts for business owners (DGA’s) quickly provide insight into your maximum mortgage and the feasibility of your plans. After the meeting, you can receive an orientation certificate with an indication of what you may be able to borrow (subject to conditions) — giving you clarity.","textLink":{"url":"/en/personal/mortgage/contact/orientation-certificate","text":"All about the orientation certificate"}},{"title":"Making an offer and negotiating","body":"Found a house? Now you need to work out how much you’re willing to pay. How much are you, or your buying agent, going to offer for it? Use our tips below to your advantage.","textLink":{"url":"/en/personal/mortgage/buying-a-house/7-tips-for-making-an-offer-on-a-home","text":"7 tips for making an offer on a house"}},{"title":"Sign a preliminary purchase contract","body":"Has your offer been accepted? Congratulations! Now you can sign the preliminary purchase contract. Note: ‘preliminary’ doesn’t mean that you can simply walk away."},{"title":"Arrange your mortgage","body":"You and an ING adviser will analyse your personal and business situation. You will discuss how much you can borrow, how much you want to borrow, and what type of mortgage type suits you best. You can have this conversation wherever you want: by video call or at an ING branch.","textLink":{"url":"/en/personal/mortgage/contact","text":"Make an appointment with an ING mortgage adviser"}},{"title":"Prefer an appointment with an independent adviser?","body":"ING works with over 2,600 independent advisers.","textLink":{"url":"/en/personal/mortgage/mortgage-advice/advice-independent-adviser","text":"Find an independent adviser near you"}},{"title":"Visit your notary","body":"The mortgage has been arranged. Now all you need to do is visit your notary to sign the purchase and mortgage deed. Then the house will really be yours – including the keys!"}]}},{"componentType":"sectionTitle","title":"Why have a mortgage with your own bank?"},{"componentType":"paragraph","richBody":{"value":"
We assess your mortgage application based on your financial situation. This includes your income, annual figures and the structure of your business. We take your whole story into account rather than just the standard details. Our specialised advisers help you consider your options and look for a suitable solution that fits your business and your unique situation.
"}},{"title":"Will I need an income declaration?","richBody":{"value":"No, you don’t require an income declaration. We have the knowledge to assess your situation as a director major-shareholder in-house. We look at your current salary, but we also take account of your broader financial background, such as previous ownership experience, dividend income, surplus profit and assets. This often makes the process faster, more personal and better suited to your situation.
"}},{"title":"What are the advisory and processing fees for taking out a mortgage?","richBody":{"value":"When you take out a new mortgage or increase your mortgage, we will prepare a personal mortgage advice report. You’ll receive mortgage advice for business owners if you or your partner (if you have one) aren’t in full-time employment. For example, if you’re self-employed, an independent professional or run your own company.
The advisory fees are fixed and not related to the amount you borrow. You can plan an initial no-obligation orientation meeting with an ING mortgage adviser. If you then decide to obtain mortgage advice from us and take out a mortgage with us, you will pay fees. These are the fees relating to the advice and taking out the mortgage. These fees are also fixed and not related to the amount you borrow.
"},"textLinks":[{"url":"/en/personal/mortgage/advisory-fees/new-mortgage-increase","text":"Check out the fees"}]},{"title":"Can I apply for a mortgage if I’ve had my business for less than a year?","richBody":{"value":"There are often more options than you might think. If you’ve worked as a business owner before, made the switch from employment or have other existing contracts or income streams, we’ll take those things into account in the assessment. We’ll be happy to help you consider your options.
"}},{"title":"What documents should I provide?","richBody":{"value":"What we ask for always depends on your situation, so you don’t have to provide everything in advance; together we’ll look at what is really necessary.
In most cases we’ll ask for:
As a director-major shareholder, you will get support from ING from a team that truly understands your business situation. We work closely with specialists in entrepreneurship, financial advice and business financing. Our advisers are familiar with complex arrangements such as holding companies, multi-company structures and dividend distributions. They will liaise with your accountant or financial adviser where necessary and take as much work as possible out of your hands. This makes the whole process clear, personal and efficient, from orientation to mortgage application.
"}}]},{"componentType":"sectionTitle","title":"Key services and information for business owners"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Working together to grow your capital","intro":"Your goals get personal attention and customised financial services at ING Private Banking. Disposable investable capital from €500,000.","image":{"transformBaseUrl":"https://assets.ing.com/transform/baf3768b-cabe-4996-85e2-adcde843fad3/portrait-of-young-woman-looking-away","type":"image","width":5736,"original":"https://assets.ing.com/m/499abd7e8ca7cd67/original/portrait-of-young-woman-looking-away.jpg","extension":"jpg"},"link":{"url":"/en/private-banking"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Investing with Private Banking","intro":"Find an investment method that suits your goals together with your relationship manager. Disposable investable capital from €500,000.","image":{"transformBaseUrl":"https://assets.ing.com/transform/d947695f-f36e-4aca-b427-957b0a273689/A-happy-man-with-glasses-smiles-at-the-camera-as-he-sits-at-a-table-with-his-notebooks-and-a-coffee-cup-in-the-office-cafeteria-1","type":"image","width":5700,"original":"https://assets.ing.com/m/47b88a768d345449/original/A-happy-man-with-glasses-smiles-at-the-camera-as-he-sits-at-a-table-with-his-notebooks-and-a-coffee-cup-in-the-office-cafeteria-1.jpg","extension":"jpg"},"link":{"url":"/en/private-banking/investing"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Wealthy, yet opting for a mortgage","intro":"Under what circumstances might it be beneficial for a high net worth director-major shareholder to (partially) finance through their bank?","image":{"transformBaseUrl":"https://assets.ing.com/transform/757b4795-8597-45a6-a912-5db44cd17421/LinkedIn-and-Facebook-Three-adult-people-in-business-clothing-walking-together-on-the-street-with-coffee-Exclusive-usage-for-ING-Private-Banking","type":"image","width":1200,"original":"https://assets.ing.com/m/6d98cf60f586509a/original/LinkedIn-and-Facebook-Three-adult-people-in-business-clothing-walking-together-on-the-street-with-coffee-Exclusive-usage-for-ING-Private-Banking.jpg","extension":"jpg"},"link":{"url":"/en/private-banking/knowledge-and-insights/living/smart-financing-dga-mortgage"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Business mortgage","intro":"Buying business premises or land? Discover how much you can borrow with a business mortgage.","image":{"transformBaseUrl":"https://assets.ing.com/transform/46869438-b0c8-4128-a41b-05aa170c454e/REAR-VIEW-OF-MAN-AND-WOMAN-SITTING-IN-OFFICE","type":"image","width":5700,"altTextNL":"\"\"","original":"https://assets.ing.com/m/275f08de53da91a3/original/REAR-VIEW-OF-MAN-AND-WOMAN-SITTING-IN-OFFICE.jpg","extension":"jpg"},"link":{"url":"/zakelijk/financieren/zakelijke-lening/zakelijke-hypotheek"}}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/81a83dbb-cb7f-42a3-a84a-d27be777f552/img_icon-lightbulb","type":"image","width":160,"original":"https://assets.ing.com/m/7270c243d1058b5f/original/img_icon-lightbulb.png","extension":"png"},"title":"Also interesting for you"},"textLinks":[{"url":"/zakelijk/sector/all-sectors","text":"New sector updates"},{"url":"/zakelijk/duurzaam-ondernemen","text":"Making your business more sustainable"},{"url":"/en/personal/mortgage/property-services","text":"Property services"},{"url":"/en/personal/insurances/home-insurance","text":"Property insurances"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.
"}}]}}}