Business income comes in many forms – and we know exactly how to handle it. Whether you're self-employed, run your own business, or are a partner in a firm, your situation is unique — and we make sure your mortgage fits it.
We look beyond the numbers. What are your plans, your dreams, your possibilities? Together we can create a mortgage that suits both your business life and your private life.
Every week more than 150 business owners receive mortgage advice from ING. Will you soon be one of them?
"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Schedule a free exploratory meeting"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/d6072a1d-c5aa-432b-9ea9-1f4130daebd8/womandreamingnewhousenopadding","original":"https://assets.ing.com/m/6c0a04db3d8d4c9/original/womandreamingnewhousenopadding.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"How we calculate your maximum mortgage as a business owner"},{"componentType":"paragraph","richBody":{"value":"Below you can read what applies to your situation:
"}},{"componentType":"accordion","accordionList":[{"title":"Sole trader, self-employed or freelancer","richBody":{"value":"If you are self-employed or a sole trader, you’ve come to the right place here at ING for a mortgage that suits your situation. Even if you’ve just started out, there are often more options than you think.
Our specialist mortgage advisers are always there for you – the first orientation meeting is free of charge and without any obligation, so you can take that first step towards buying your dream home.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/da433482-8fbd-40d6-b432-faaeb6e858c1/portrait-of-senior-man-using-mobile-phone-while-sitting-at-table","original":"https://assets.ing.com/m/2ab3a7c7706acdfd/original/portrait-of-senior-man-using-mobile-phone-while-sitting-at-table.jpg","extension":"jpg"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-types/self-employed-person","text":"Read more about mortgages for self-employed persons"}]},{"title":"Director-major shareholder (DGA)","richBody":{"value":"As a managing director and majority shareholder you want clarity fast. We’ll assess your business income and guide you step by step. During the whole process we take as much work as possible out of your hands, so you can stay focused on your business.
Our specialist mortgage advisers are happy to help – the first orientation meeting is free of charge and without any obligation, so you know exactly what is possible for your situation as a business owner.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/a7304fe8-ffa8-46c1-b91a-4fec59cf4f86/side-view-of-young-man-working-at-office","original":"https://assets.ing.com/m/611085a7916f9bb5/original/side-view-of-young-man-working-at-office.jpg","extension":"jpg"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-types/director-major-shareholders","text":"Read more about mortgages for director-major shareholders"}]},{"title":"Private limited company (BV)","richBody":{"value":"If you are the owner of a private limited company, we will look at more than just your salary. Dividends, profits and the financial health of your business also play a role in determining your maximum mortgage.
Our specialist mortgage advisers are always there for you – the first orientation meeting is free of charge and without any obligation, so you know exactly what is possible for your situation.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/617796c0-bc1d-4d8f-abfd-f851f39e50b8/Businessmen-walking-and-laughing-in-the-centre-of-istanbul-turkey","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4e2719944626ba69/original/Businessmen-walking-and-laughing-in-the-centre-of-istanbul-turkey.jpg","extension":"jpg"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-types/director-major-shareholders","text":"Read more about your mortgage options"}]},{"title":"Member of a private, general (VOF) or limited partnership (CV)","richBody":{"value":"If you are a partner in a private, general or limited partnership, we’ll check the net profit from your business over the past three years when determining your maximum mortgage, with the profit from the last financial year being used as the maximum.
If you’ve been running your business for less than three years, you will often also have options.
As the conditions for a private, general or limited partnership are different from those for self-employed persons or employees, you cannot calculate your mortgage online. Our specialist mortgage advisers are always there for you – the first orientation meeting is free of charge and without any obligation, so you’ll know exactly where you stand.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/006109b7-9c44-4142-86e2-2521e99b1542/family-business-home-1920","original":"https://assets.ing.com/m/74c8c9ae0fb3e3f/original/family-business-home-1920.jpg","extension":"jpg"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Make an appointment"}]}]},{"componentType":"paragraph","richBody":{"value":"Good to know: business income is always determined on an individual basis. To find out what income applies to you, and how much you’ll be able to borrow, make an appointment with an ING mortgage adviser. The first orientation meeting is free of charge and without any obligation.
"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Make an appointment"}]},{"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":"If you’re just starting out with your business, there are often more options than you might expect."},{"componentType":"paragraph","richBody":{"value":"Even if you’ve only completed one full financial year, you could still be eligible for a mortgage with ING. 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 were previously an employee in the same sector, we can often include that income in the assessment, too.
You can also get a mortgage with the Dutch National Mortgage Guarantee (NHG), even if you’re just starting out. Our advisers help you consider your options and are happy to help you discover what’s possible in a personal, no-obligation orientation meeting.
"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Discuss your options"}],"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/8e9057f8-391a-4f34-91d9-78df7a17ea42/mortgage-process-1920","original":"https://assets.ing.com/m/7271d404e12585aa/original/mortgage-process-1920.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"From a dream to a roof above your head with ING"},{"componentType":"testimonial","testimonialList":[{"authorInfo":{"authorName":"Rens de Wilde","jobTitle":"Business and Private Banking mortgage adviser at ING","image":{"transformBaseUrl":"https://assets.ing.com/transform/3e921008-ea3a-41f6-9bd9-5ba6d69b66bb/Home-loans-1200x1200","type":"image","width":1200,"altTextEN":"Borrow for your home","altTextNL":"Lenen voor je woning","altTextFR":"Emprunter pour votre logement","original":"https://assets.ing.com/m/6c5734026740b28f/original/Home-loans-1200x1200.jpg","extension":"jpg"}},"testimonialText":{"body":"With business owners, you have to remember that every business is different. This is why our mortgage advice is always customised. That’s essential to help the business owner get ahead."}}]},{"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":"Before you start looking at property websites every day, it’s good to know what your finances are like: what can you afford – and how much do you want to borrow? And what will your monthly mortgage payments be? Afterwards you may receive an orientation certificate with an indication of how much you can borrow (subject to change) – which makes it nice and clear.","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":"Frequently asked questions about mortgages for business owners"},{"componentType":"accordion","accordionList":[{"title":"How will my application be assessed?","richBody":{"value":"At ING we consider both your personal and your business situation. This includes your profits, the financial health of your business and any other income like dividends and profits. Our specialist mortgage advisers assess your application based on current figures and help you consider your options, even if your situation is complex.
"}},{"title":"Will I need an income declaration?","richBody":{"value":"No, you don’t require an income declaration. We have the knowledge to assess your income in-house. That saves time and money.
"}},{"title":"As a business owner, what advisory and processing fees can I expect when taking out a mortgage?","richBody":{"value":"If you’re applying for a new mortgage or you want to increase your current one, we’ll prepare a personal mortgage advice report. This report is specially geared towards business owners like you.
The advisory fees are fixed and not related to the amount you borrow. You can choose to have a free initial 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 rates"}]},{"title":"Can I apply for a mortgage if I’ve had my business for less than a year?","richBody":{"value":"This depends on your personal situation. We’ll look at things like your work history, the sector you work in, your education and whether you previously worked as an employee. Sometimes you have more options than you think, especially if you already have ongoing orders or contracts or can prove that you have a steady income.
"}},{"title":"What documents should I provide?","richBody":{"value":"We generally ask for your annual figures, your income tax return and an extract from the Dutch Chamber of Commerce (KvK). If you run your own company, we’ll often also ask you for a chart of your corporate holding structure. During the orientation meeting, we’ll look at what else is required in your specific situation.
"}},{"title":"How will ING support me during the process?","richBody":{"value":"As a business owner, you get support from ING from a team that truly understands your situation. We work closely with specialists from Private Banking and Business Banking, so you will quickly get to see the right expert. Our advisers help you consider your options, liaise with your accountant or financial adviser where necessary and take as much work as possible out of your hands. Together we make the process transparent and personal – 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":"Business starter package","intro":"You can use ING’s starter package to arrange all your banking – both business and private – in a single app. It’s fast, secure and convenient.","image":{"transformBaseUrl":"https://assets.ing.com/transform/da7a42ba-2916-46ba-84d9-abc8b295757c/rear-view-of-business-colleagues-working-at-home","type":"image","width":7250,"original":"https://assets.ing.com/m/414957d61660ffe0/original/rear-view-of-business-colleagues-working-at-home.jpg","extension":"jpg"},"link":{"url":"/en/business/payments/business-account/startup-business-package"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Business accounts","intro":"Want to keep your business and private income and expenses separate? Have a look at which package suits you best.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7bde4de7-551a-44cb-8a4f-3416b4667553/Resize-3-images-814x360-2","type":"image","width":814,"original":"https://assets.ing.com/m/63fec6c10b5bb4b3/original/Resize-3-images-814x360-2.jpg","extension":"jpg"},"link":{"url":"/en/business/payments/business-account"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Business insurance","intro":"As a business owner you have to take risks, but you’d rather avoid unnecessary ones. Check out our business insurance products.","image":{"transformBaseUrl":"https://assets.ing.com/transform/ee13287a-1ec1-4a7b-abfa-91e1b94d6fed/BB-Insurance-only-side-view-of-young-man-sitting-on-table-at-home","type":"image","width":1700,"original":"https://assets.ing.com/m/14cb4cd5ced8b847/original/BB-Insurance-only-side-view-of-young-man-sitting-on-table-at-home.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance"}},{"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":"serviceCard","cardType":"service","cardSize":"small","title":"Working together to grow your capital","intro":"Making a difference with 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":"The mortgage for high net worth director-major shareholders","intro":"When your ambitions deserve a home too. With the expertise of Private Banking.\r\nStarting from € 500.000 in investable assets.","image":{"transformBaseUrl":"https://assets.ing.com/transform/ba1eb0df-a723-41ff-91ce-5809e94778ba/Large_Web-and-Screen-A-woman-wearing-glasses-checks-her-phone-while-sitting-on-the-couch-at-home-working-on-her-laptop-1","type":"image","width":1920,"original":"https://assets.ing.com/m/5a3493bc0362b4fd/original/Large_Web-and-Screen-A-woman-wearing-glasses-checks-her-phone-while-sitting-on-the-couch-at-home-working-on-her-laptop-1.jpg","extension":"jpg"},"link":{"url":"/en/private-banking/mortgages/the-mortgage-for-dgas"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Want to brainstorm first for more insight?","intro":"Would you prefer a personal conversation with a Financial Coach for tailored tips?\r\nSchedule a free 45‑minute Insight Conversation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/0420dee7-aed2-4dab-a22a-1286191013c6/Businessman-talking-on-phone","type":"image","width":6125,"altTextNL":"Zakenman aan de telefoon","original":"https://assets.ing.com/m/3c9692a0684f7e2b/original/Businessman-talking-on-phone.jpg","extension":"jpg"},"link":{"url":"/en/personal/financial-health/inzicht-gesprek-landingspagina-open-financieel-gezond"}}]},{"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":"/en/personal/mortgage/property-services","text":"Property services"},{"url":"/en/personal/insurances/home-insurance","text":"Property insurances"}]},{"componentType":"sectionTitle","title":"Why choose a mortgage with ING?"},{"componentType":"paragraph","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.
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